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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK3+ years Filed as: WHITNEY BANK Service code 21 · EIN 72-1171087 | Bank Trustee | $31,832 |
CHARLES SCHWAB & CO., INC.3+ 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 | $63,686 | $80,753-21.1% | $136,298-53.3% | $62,293+2.2% |
| Participation rate | 54.1% | 73.5%-19.4pp | 81.9%-27.8pp | 69.5%-15.4pp |
| Annual return | 11.30% | 35.83%-24.5pp | 5156.27%-5145.0pp | 28.90%-17.6pp |
| Employer contribution / active EE | $2,090 | $2,884-27.5% | $4,696-55.5% | $2,042+2.3% |
| Participant deferral / active EE | $3,222 | $5,164-37.6% | $6,247-48.4% | $3,169+1.7% |
| Admin fee / account holder | $350 | $525-33.4% | $9,244-96.2% | $479-27.0% |