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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK3 years Service code 15 · EIN 63-0371391 | Recordkeeping | $18,873 |
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $5,179 |
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 | $72,154 | $83,485-13.6% | $125,195-42.4% | $72,976-1.1% |
| Participation rate | 63.5% | 73.3%-9.8pp | 79.8%-16.3pp | 69.5%-6.0pp |
| Annual return | 23.79% | 25.77%-2.0pp | 43.79%-20.0pp | 81.02%-57.2pp |
| Employer contribution / active EE | $310 | $2,346-86.8% | $3,866-92.0% | $2,440-87.3% |
| Participant deferral / active EE | $2,811 | $3,586-21.6% | $4,937-43.1% | $3,608-22.1% |
| Admin fee / account holder | $316 | $5,518-94.3% | $9,704-96.7% | $5,124-93.8% |