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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 39-6040276 | Recordkeeping Fees | $4,450 |
Service code 13 · EIN 20-0235252 4196 MENDENHALL OAKS PARKWAY · HIGH POINT, NC 272658049 | Contract Administrator | $121 |
NATIONWIDE1 year Service code 37 · EIN 31-4156830 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Loan Processing | $81 |
SECURITIES AMERICA INC1 year Filed as: BB&T SECURITIES, LLC Service code 51 RIVERFRONT PLAZA-WEST TOWER · RICHMOND, VA 23219 | Investment Mgmt Fees | $0 |
SUNTRUST BANKS, INC.1 year Filed as: SCOTT & STRINGFELLOW Service code 51 RIVERFRONT PLAZA-WEST TOWER · RICHMOND, VA 23219 | Investment Mgmt Fees | $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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,413 | $51,466-44.8% | $78,778-63.9% | $62,293-54.4% |
| Participation rate | 69.8% | 59.8%+10.0pp | 69.2%+0.7pp | 69.5%+0.3pp |
| Annual return | 12.80% | 19.96%-7.2pp | 35.62%-22.8pp | 28.90%-16.1pp |
| Employer contribution / active EE | $768 | $827-7.1% | $1,986-61.3% | $2,042-62.4% |
| Participant deferral / active EE | $2,990 | $2,147+39.2% | $2,958+1.1% | $3,169-5.6% |
| Admin fee / account holder | $47 | $489-90.4% | $5,134-99.1% | $479-90.2% |