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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK3 years Service code 15 · EIN 63-0371391 | Recordkeeping | $26,749 |
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $11,876 |
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.)
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 | $55,259 | $64,919-14.9% | $392,568-85.9% | $65,185-15.2% |
| Participation rate | 47.4% | 72.0%-24.6pp | 78.1%-30.7pp | 70.2%-22.8pp |
| Annual return | 23.84% | 26.09%-2.2pp | 24.42%-0.6pp | 29.38%-5.5pp |
| Employer contribution / active EE | $874 | $2,374-63.2% | $3,783-76.9% | $2,177-59.9% |
| Participant deferral / active EE | $1,471 | $3,668-59.9% | $5,985-75.4% | $3,514-58.1% |
| Admin fee / account holder | $339 | $634-46.5% | $6,260-94.6% | $847-60.0% |