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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK2 years Filed as: HANCOCK BANK Service code 15 · EIN 64-0169065 | Recordkeeping | $18,912 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $113,742 | $89,652+26.9% | $141,197-19.4% | $65,186+74.5% |
| Participation rate | 65.5% | 74.7%-9.2pp | 82.5%-17.0pp | 70.2%-4.7pp |
| Annual return | 19.73% | 32.79%-13.1pp | 71.41%-51.7pp | 29.39%-9.7pp |
| Employer contribution / active EE | $2,412 | $3,065-21.3% | $4,736-49.1% | $2,177+10.8% |
| Participant deferral / active EE | $4,204 | $5,691-26.1% | $6,710-37.4% | $3,514+19.6% |
| Admin fee / account holder | $184 | $569-67.7% | $10,265-98.2% | $847-78.3% |