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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 · EIN 04-2647786 | Directed Trustee | $20,850 |
BANCORPSOUTH BANK8+ years Service code 55 · EIN 64-0782370 | Other Commissions | $10,571 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $6,532 | $42,367-84.6% | $79,576-91.8% | $64,814-89.9% |
| Participation rate | 97.8% | 64.7%+33.1pp | 69.5%+28.3pp | 71.5%+26.3pp |
| Annual return | -17.32% | -12.23%-5.1pp | 0.15%-17.5pp | 32.84%-50.2pp |
| Employer contribution / active EE | $131 | $1,181-88.9% | $2,413-94.6% | $2,507-94.8% |
| Participant deferral / active EE | $1,215 | $3,170-61.7% | $3,985-69.5% | $4,310-71.8% |
| Admin fee / account holder | $33 | $160-79.2% | $6,834-99.5% | $188-82.3% |