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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK2+ years Filed as: WHITNEY BANK Service code 21 · EIN 72-1171087 | Bank Trustee | $27,542 |
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.
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.
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 | $54,039 | $75,183-28.1% | $123,894-56.4% | $55,167-2.0% |
| Participation rate | 53.8% | 72.8%-19.0pp | 81.4%-27.6pp | 69.0%-15.1pp |
| Annual return | 5.16% | 19.01%-13.8pp | 47.52%-42.4pp | 169.23%-164.1pp |
| Employer contribution / active EE | $2,259 | $2,823-20.0% | $4,617-51.1% | $1,963+15.1% |
| Participant deferral / active EE | $3,564 | $5,084-29.9% | $5,984-40.4% | $3,054+16.7% |
| Admin fee / account holder | $310 | $663-53.2% | $8,357-96.3% | $504-38.5% |