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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $85,307 |
RBC WEALTH MANAGEMENT1 year Filed as: RBC CAPITAL MARKETS LLC Service code 27 · EIN 41-1416330 | Advisory (Plan) | $79,620 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $20,380 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,746 | $84,499+2.7% | $125,391-30.8% | $66,949+29.6% |
| Participation rate | 94.3% | 76.4%+17.9pp | 82.4%+11.9pp | 69.8%+24.5pp |
| Annual return | 3.22% | -8.49%+11.7pp | 572.41%-569.2pp | 1.57%+1.7pp |
| Employer contribution / active EE | $1,117 | $3,554-68.6% | $4,816-76.8% | $2,545-56.1% |
| Participant deferral / active EE | $6,646 | $6,785-2.0% | $7,448-10.8% | $4,239+56.8% |
| Admin fee / account holder | $401 | $685-41.5% | $10,009-96.0% | $594-32.5% |