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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $23,101 |
REGIONS BANK3 years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $22,816 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $53,996 | $56,443-4.3% | $83,850-35.6% | $55,725-3.1% |
| Participation rate | 38.1% | 72.0%-33.9pp | 76.1%-38.0pp | 70.9%-32.7pp |
| Annual return | -3.31% | 393.67%-397.0pp | 850.92%-854.2pp | 244.93%-248.2pp |
| Employer contribution / active EE | $455 | $2,682-83.0% | $3,631-87.5% | $2,078-78.1% |
| Participant deferral / active EE | $2,145 | $2,965-27.7% | $4,082-47.4% | $3,356-36.1% |
| Admin fee / account holder | $312 | $156+99.9% | $5,478-94.3% | $115+171.2% |