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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK5 years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $31,065 |
Service code 37 · EIN 04-2647786 | Loan Processing | $19,047 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,800 | $84,493-15.0% | $125,381-42.7% | $66,938+7.3% |
| Participation rate | 54.5% | 76.4%-21.9pp | 82.4%-27.9pp | 69.8%-15.3pp |
| Annual return | -15.53% | -8.49%-7.0pp | 572.31%-587.8pp | 1.58%-17.1pp |
| Employer contribution / active EE | $1,612 | $3,554-54.6% | $4,815-66.5% | $2,545-36.7% |
| Participant deferral / active EE | $3,546 | $6,783-47.7% | $7,448-52.4% | $4,238-16.3% |
| Admin fee / account holder | $468 | $685-31.6% | $10,007-95.3% | $594-21.1% |