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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK5+ years Filed as: WHITNEY BANK Service code 21 · EIN 72-1171087 | Bank Trustee | $31,055 |
CHARLES SCHWAB & CO., INC.5+ 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 | $84,051 | $89,652-6.2% | $141,191-40.5% | $65,185+28.9% |
| Participation rate | 60.8% | 74.7%-13.9pp | 82.5%-21.7pp | 70.2%-9.4pp |
| Annual return | 17.96% | 32.79%-14.8pp | 71.41%-53.4pp | 29.38%-11.4pp |
| Employer contribution / active EE | $2,804 | $3,065-8.5% | $4,736-40.8% | $2,177+28.8% |
| Participant deferral / active EE | $4,832 | $5,691-15.1% | $6,710-28.0% | $3,514+37.5% |
| Admin fee / account holder | $338 | $569-40.6% | $10,264-96.7% | $847-60.2% |