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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 60 · EIN 04-2647786 | Sub-TA Fees | $40,031 |
BANCORPSOUTH BANK10+ years Service code 27 · EIN 64-0782370 | Advisory (Plan) | $31,740 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,097 | $131,162-60.3% | $97,411-46.5% | $64,097-18.7% |
| Participation rate | 17.6% | 73.9%-56.2pp | 80.4%-62.7pp | 55.2%-37.5pp |
| Annual return | 8.74% | 37.93%-29.2pp | 34.72%-26.0pp | 34.64%-25.9pp |
| Employer contribution / active EE | $1,770 | $4,563-61.2% | $4,210-58.0% | $1,891-6.4% |
| Participant deferral / active EE | $0 | $6,687-100.0% | $5,886-100.0% | $3,080-100.0% |
| Admin fee / account holder | $329 | $2,928-88.8% | $7,145-95.4% | $3,454-90.5% |