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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK10+ years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $51,743 |
Service code 37 · EIN 04-2647786 | Loan Processing | $4,860 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $122,510 | $79,089+54.9% | $100,392+22.0% | $74,459+64.5% |
| Participation rate | 67.4% | 79.4%-12.0pp | 81.5%-14.1pp | 67.2%+0.2pp |
| Annual return | 11.64% | 20.61%-9.0pp | 49.45%-37.8pp | 1369.70%-1358.1pp |
| Employer contribution / active EE | $1,924 | $3,015-36.2% | $3,941-51.2% | $2,626-26.7% |
| Participant deferral / active EE | $3,511 | $7,747-54.7% | $8,090-56.6% | $4,350-19.3% |
| Admin fee / account holder | $316 | $1,336-76.3% | $7,904-96.0% | $1,945-83.7% |