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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK6+ years Service code 15 · EIN 63-0371391 | Recordkeeping | $28,152 |
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $22,614 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $19,349 | $79,519-75.7% | $95,956-79.8% | $73,412-73.6% |
| Participation rate | 46.7% | 81.2%-34.5pp | 77.1%-30.4pp | 72.2%-25.5pp |
| Annual return | 10.55% | 19.20%-8.6pp | 91.63%-81.1pp | 59.30%-48.7pp |
| Employer contribution / active EE | $608 | $2,048-70.3% | $2,541-76.1% | $2,234-72.8% |
| Participant deferral / active EE | $1,505 | $4,138-63.6% | $4,167-63.9% | $3,806-60.4% |
| Admin fee / account holder | $262 | $184+42.0% | $6,797-96.1% | $158+65.7% |