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| Provider | Service type | Compensation |
|---|---|---|
BB&T6+ years Service code 21 · EIN 56-1368984 | Bank Trustee | $43,012 |
BB&T1 year Filed as: BB&T IA Service code 51 · EIN 57-0956597 | Investment Mgmt Fees | $20,548 |
MOORE COLSON6+ years Service code 10 · EIN 58-1653941 | Accounting | $9,100 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,408 | $100,801-30.2% | $149,730-53.0% | $73,412-4.1% |
| Participation rate | 28.8% | 77.7%-48.9pp | 82.5%-53.7pp | 72.2%-43.4pp |
| Annual return | 12.84% | 265.34%-252.5pp | 276.70%-263.9pp | 59.30%-46.5pp |
| Employer contribution / active EE | $0 | $3,312-100.0% | $4,645-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $4,575 | $6,404-28.6% | $6,843-33.1% | $3,806+20.2% |
| Admin fee / account holder | $527 | $181+191.2% | $9,310-94.3% | $158+233.5% |