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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK1+ years Service code 21 · EIN 63-0371391 | Bank Trustee | $30,802 |
ASCENSUS LLC1+ years Filed as: ASCENSUS Service code 15 · EIN 11-3665754 | Recordkeeping | $7,074 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $134,079 | $56,894+135.7% | $84,753+58.2% | $62,881+113.2% |
| Participation rate | 69.5% | 68.5%+1.0pp | 76.6%-7.1pp | 69.3%+0.2pp |
| Annual return | 1.71% | 6.30%-4.6pp | 22.78%-21.1pp | 20.14%-18.4pp |
| Employer contribution / active EE | $2,655 | $2,400+10.6% | $3,574-25.7% | $2,281+16.4% |
| Participant deferral / active EE | $3,509 | $2,709+29.5% | $3,712-5.5% | $3,203+9.6% |
| Admin fee / account holder | $533 | $3,581-85.1% | $5,333-90.0% | $4,296-87.6% |