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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK2+ years Service code 15 · EIN 63-0371391 | Recordkeeping | $22,404 |
ASCENSUS LLC2+ years Filed as: ASCENSUS Service code 15 · EIN 11-3665754 | Recordkeeping | $15,675 |
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.
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 | $42,573 | $50,898-16.4% | $171,082-75.1% | $55,167-22.8% |
| Participation rate | 61.3% | 63.3%-2.0pp | 76.7%-15.4pp | 69.0%-7.7pp |
| Annual return | 5.99% | 15.34%-9.4pp | 32.56%-26.6pp | 169.23%-163.2pp |
| Employer contribution / active EE | $738 | $1,433-48.5% | $4,002-81.6% | $1,963-62.4% |
| Participant deferral / active EE | $2,018 | $2,994-32.6% | $4,797-57.9% | $3,054-33.9% |
| Admin fee / account holder | $216 | $500-56.7% | $8,520-97.5% | $504-57.1% |