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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK5 years Service code 15 · EIN 63-0371391 | Recordkeeping | $27,673 |
ASCENSUS LLC4 years Service code 15 · EIN 11-3665754 | Recordkeeping | $10,162 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,574 | $93,182-6.0% | $146,643-40.3% | $79,391+10.3% |
| Participation rate | 54.6% | 76.4%-21.8pp | 80.1%-25.4pp | 70.7%-16.1pp |
| Annual return | 16.25% | 21.61%-5.4pp | 22.75%-6.5pp | 116.88%-100.6pp |
| Employer contribution / active EE | $895 | $2,420-63.0% | $4,137-78.4% | $2,428-63.1% |
| Participant deferral / active EE | $3,810 | $4,169-8.6% | $5,506-30.8% | $4,046-5.8% |
| Admin fee / account holder | $420 | $585-28.1% | $10,280-95.9% | $627-32.9% |