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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK2 years Service code 15 · EIN 63-0371391 | Recordkeeping | $19,641 |
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $5,546 |
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).
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 | $62,336 | $72,404-13.9% | $110,243-43.5% | $64,173-2.9% |
| Participation rate | 60.0% | 73.3%-13.3pp | 79.8%-19.8pp | 69.6%-9.6pp |
| Annual return | -3.55% | -6.29%+2.7pp | 314.76%-318.3pp | 7.63%-11.2pp |
| Employer contribution / active EE | $296 | $2,282-87.0% | $3,827-92.3% | $2,381-87.6% |
| Participant deferral / active EE | $2,459 | $3,469-29.1% | $4,672-47.4% | $3,470-29.1% |
| Admin fee / account holder | $365 | $5,664-93.6% | $8,548-95.7% | $4,887-92.5% |