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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK2 years Service code 15 · EIN 63-0371391 | Recordkeeping | $24,712 |
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $8,842 |
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.
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 | $59,649 | $57,384+3.9% | $106,387-43.9% | $56,289+6.0% |
| Participation rate | 40.9% | 71.3%-30.5pp | 77.5%-36.6pp | 69.9%-29.0pp |
| Annual return | -7.82% | 5.91%-13.7pp | 0.25%-8.1pp | -9.96%+2.1pp |
| Employer contribution / active EE | $921 | $2,348-60.8% | $3,520-73.8% | $2,111-56.4% |
| Participant deferral / active EE | $1,480 | $3,799-61.0% | $5,421-72.7% | $3,350-55.8% |
| Admin fee / account holder | $414 | $566-26.9% | $7,510-94.5% | $521-20.5% |