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| Provider | Service type | Compensation |
|---|---|---|
BB&T1+ years Filed as: BB & T Service code 21 · EIN 56-1368984 | Bank Trustee | $41,537 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $37,172 | $46,360-19.8% | $147,617-74.8% | $52,331-29.0% |
| Participation rate | 49.7% | 64.9%-15.2pp | 84.6%-34.9pp | 68.1%-18.4pp |
| Annual return | -0.93% | 1.62%-2.6pp | 61.98%-62.9pp | 4.54%-5.5pp |
| Employer contribution / active EE | $0 | $2,126-100.0% | $5,564-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $944 | $2,258-58.2% | $4,895-80.7% | $3,022-68.8% |
| Admin fee / account holder | $437 | $766-42.9% | $11,612-96.2% | $592-26.1% |