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| Provider | Service type | Compensation |
|---|---|---|
SOUTH STATE RPS3 years Service code 15 · EIN 27-1803704 | Recordkeeping | $44,226 |
JONES POUNDER1 year Filed as: JONES, POUNDER & ASSOC Service code 10 · EIN 57-0725618 PO BOX 30967 · CHARLESTON, SC 29417 | Accounting | $18,600 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $55,587 | $89,652-38.0% | $141,177-60.6% | $65,185-14.7% |
| Participation rate | 40.6% | 74.7%-34.1pp | 82.5%-41.8pp | 70.2%-29.6pp |
| Annual return | 24.24% | 32.79%-8.6pp | 71.40%-47.2pp | 29.38%-5.1pp |
| Employer contribution / active EE | $2,136 | $3,065-30.3% | $4,736-54.9% | $2,177-1.9% |
| Participant deferral / active EE | $2,148 | $5,691-62.3% | $6,710-68.0% | $3,514-38.9% |
| Admin fee / account holder | $413 | $569-27.3% | $10,263-96.0% | $847-51.2% |