Filed August 8, 2025
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| Provider | Service type | Compensation |
|---|---|---|
SUNTRUST BANKS, INC.1 year Filed as: TRUIST ADVISORY SERVICES, INC Service code 26 | Advisory (Participants) | $30,288 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,029 |
Filed as: WILSHIRE ASSOCIATES INC Service code 26 | Advisory (Participants) | $1,731 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,987 | $49,471+85.9% | $79,583+15.6% | $66,949+37.4% |
| Participation rate | 52.3% | 61.4%-9.0pp | 69.5%-17.2pp | 69.8%-17.5pp |
| Annual return | -15.65% | 84.30%-100.0pp | 0.16%-15.8pp | 1.57%-17.2pp |
| Employer contribution / active EE | $2,055 | $1,266+62.3% | $2,414-14.9% | $2,545-19.3% |
| Participant deferral / active EE | $4,112 | $3,160+30.1% | $3,986+3.2% | $4,239-3.0% |
| Admin fee / account holder | $493 | $595-17.1% | $6,835-92.8% | $594-16.9% |