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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.2+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
HANCOCK WHITNEY BANK2+ years Filed as: HANCOCK BANK Service code 15 · EIN 64-0169065 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $29,284 | $32,425-9.7% | $74,577-60.7% | $55,167-46.9% |
| Participation rate | 65.4% | 54.0%+11.4pp | 68.1%-2.8pp | 69.0%-3.6pp |
| Annual return | 5.75% | 10.63%-4.9pp | 20.47%-14.7pp | 169.23%-163.5pp |
| Employer contribution / active EE | $270 | $1,043-74.1% | $2,525-89.3% | $1,963-86.3% |
| Participant deferral / active EE | $1,335 | $1,995-33.1% | $3,458-61.4% | $3,054-56.3% |
| Admin fee / account holder | $0 | $748-100.0% | $4,138-100.0% | $504-100.0% |