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| Provider | Service type | Compensation |
|---|---|---|
RENASANT BANK2+ years Service code 21 209 TROY ST · TUPELO, MS 38802 | Bank Trustee | $91,578 |
EPIC RETIREMENT PLAN SERVICES2+ years Service code 15 · EIN 16-1450952 | Recordkeeping | $4,787 |
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.)
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 | $56,912 | $106,230-46.4% | $147,080-61.3% | $77,736-26.8% |
| Participation rate | 67.2% | 78.4%-11.2pp | 82.2%-15.0pp | 70.6%-3.4pp |
| Annual return | 24.34% | 56.91%-32.6pp | 420.17%-395.8pp | 31.26%-6.9pp |
| Employer contribution / active EE | $3,541 | $4,072-13.0% | $4,933-28.2% | $2,728+29.8% |
| Participant deferral / active EE | $6,810 | $8,001-14.9% | $8,066-15.6% | $4,651+46.4% |
| Admin fee / account holder | $379 | $338+12.1% | $12,989-97.1% | $433-12.4% |