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| Provider | Service type | Compensation |
|---|---|---|
BB&T3 years Filed as: BB&T INSTITUTIONAL SERVICES Service code 21 · EIN 56-0939887 | Bank Trustee | $15,433 |
WITHUMSMITH+BROWN, PC1 year Filed as: WITHUM SMITH BROWN Service code 10 PO BOX 5340 · PRINCETON, NJ 08543 | Accounting | $13,133 |
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $455 |
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).
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 | $38,014 | $54,573-30.3% | $90,970-58.2% | $73,493-48.3% |
| Participation rate | 34.0% | 61.2%-27.2pp | 69.0%-35.0pp | 70.7%-36.7pp |
| Annual return | 15.14% | 16.69%-1.6pp | 134.58%-119.4pp | 28.51%-13.4pp |
| Employer contribution / active EE | $385 | $991-61.2% | $2,122-81.9% | $2,270-83.0% |
| Participant deferral / active EE | $2,140 | $2,517-15.0% | $3,373-36.6% | $3,740-42.8% |
| Admin fee / account holder | $433 | $521-16.9% | $5,960-92.7% | $513-15.6% |