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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK6+ years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $20,176 |
Filed as: VAWTER,GAMMON,NORRIS, & CO Service code 10 · EIN 62-0898119 | Accounting | $12,000 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $10,566 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $113,766 | $65,034+74.9% | $90,970+25.1% | $79,856+42.5% |
| Participation rate | 67.0% | 61.6%+5.4pp | 69.0%-2.0pp | 69.6%-2.6pp |
| Annual return | 15.47% | 30.45%-15.0pp | 134.60%-119.1pp | 31.71%-16.2pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,893 | $2,512+54.9% | $3,373+15.4% | $3,741+4.1% |
| Admin fee / account holder | $611 | $4,536-86.5% | $5,961-89.8% | $5,306-88.5% |