Filed August 8, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $0 |
SUNTRUST BANKS, INC.1 year Filed as: TRUIST ADVISORY SERVICES, INC. Service code 26 | Advisory (Participants) | $0 |
Filed as: WILLSHIRE ASSOCIATES, INC. Service code 26 | Advisory (Participants) | $0 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,549 | $54,729+70.9% | $86,235+8.5% | $71,529+30.8% |
| Participation rate | 52.6% | 60.1%-7.5pp | 69.0%-16.3pp | 67.9%-15.3pp |
| Annual return | 16.69% | 20.07%-3.4pp | 1170.03%-1153.3pp | 28.97%-12.3pp |
| Employer contribution / active EE | $2,141 | $1,267+69.0% | $2,381-10.1% | $2,590-17.3% |
| Participant deferral / active EE | $4,265 | $3,110+37.1% | $3,987+7.0% | $4,291-0.6% |
| Admin fee / account holder | $511 | $1,921-73.4% | $6,856-92.5% | $1,588-67.8% |