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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK1 year Service code 15 · EIN 63-0371391 | Recordkeeping | $17,060 |
ASCENSUS LLC1 year Filed as: ASCENSUS Service code 15 · EIN 11-3665754 | Recordkeeping | $5,138 |
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.)
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).
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 | $75,326 | $78,707-4.3% | $117,861-36.1% | $70,126+7.4% |
| Participation rate | 61.0% | 73.2%-12.2pp | 79.7%-18.6pp | 69.5%-8.5pp |
| Annual return | 18.17% | 23.30%-5.1pp | 335.11%-316.9pp | 73.15%-55.0pp |
| Employer contribution / active EE | $300 | $2,223-86.5% | $3,786-92.1% | $2,343-87.2% |
| Participant deferral / active EE | $2,380 | $3,297-27.8% | $4,482-46.9% | $3,332-28.6% |
| Admin fee / account holder | $317 | $5,066-93.7% | $8,021-96.0% | $4,645-93.2% |