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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK7 years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $39,628 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $27,350 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $92,402 | $101,539-9.0% | $147,041-37.2% | $74,400+24.2% |
| Participation rate | 41.7% | 75.5%-33.8pp | 82.2%-40.5pp | 67.2%-25.5pp |
| Annual return | 13.74% | 8740.84%-8727.1pp | 419.21%-405.5pp | 1367.51%-1353.8pp |
| Employer contribution / active EE | $1,247 | $3,811-67.3% | $4,935-74.7% | $2,624-52.5% |
| Participant deferral / active EE | $2,798 | $7,304-61.7% | $8,071-65.3% | $4,348-35.7% |
| Admin fee / account holder | $549 | $1,749-68.6% | $13,006-95.8% | $1,944-71.8% |