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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $8,821 |
BB&T3 years Filed as: BB&T INSTITUTIONAL SERVICES Service code 15 · EIN 56-0939887 | Recordkeeping | $4,526 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Opinion is qualified - a specific issue limited the scope or accuracy of the audit.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,727 | $30,555-84.5% | $80,741-94.1% | $86,821-94.6% |
| Participation rate | 58.1% | 37.2%+20.9pp | 54.2%+4.0pp | 72.3%-14.2pp |
| Annual return | 15.01% | 30.35%-15.3pp | 87.30%-72.3pp | 97.94%-82.9pp |
| Employer contribution / active EE | $249 | $472-47.2% | $1,160-78.5% | $2,406-89.6% |
| Participant deferral / active EE | $539 | $1,050-48.6% | $2,145-74.9% | $4,132-87.0% |
| Admin fee / account holder | $36 | $135-73.5% | $3,380-98.9% | $170-78.8% |