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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $51,850 |
REGIONS BANK7 years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $35,198 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,415 | $72,482-67.7% | $129,118-81.9% | $64,819-63.9% |
| Participation rate | 95.0% | 79.2%+15.7pp | 77.2%+17.7pp | 71.5%+23.5pp |
| Annual return | -19.99% | -9.08%-10.9pp | -10.94%-9.0pp | 32.84%-52.8pp |
| Employer contribution / active EE | $2,202 | $4,247-48.2% | $5,051-56.4% | $2,507-12.2% |
| Participant deferral / active EE | $3,223 | $5,679-43.2% | $6,539-50.7% | $4,311-25.2% |
| Admin fee / account holder | $300 | $144+108.0% | $14,305-97.9% | $188+59.8% |