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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK2+ years Service code 15 · EIN 64-0169065 | Recordkeeping | $11,826 |
CHARLES SCHWAB & CO., INC.2+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,138 | $63,471-63.5% | $68,803-66.4% | $66,949-65.4% |
| Participation rate | 36.3% | 60.0%-23.7pp | 69.0%-32.7pp | 69.8%-33.5pp |
| Annual return | -21.91% | -8.29%-13.6pp | -6.37%-15.5pp | 1.57%-23.5pp |
| Employer contribution / active EE | $748 | $1,776-57.9% | $2,656-71.8% | $2,545-70.6% |
| Participant deferral / active EE | $1,927 | $2,946-34.6% | $3,942-51.1% | $4,239-54.5% |
| Admin fee / account holder | $191 | $578-67.0% | $4,936-96.1% | $594-67.9% |