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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK2 years Service code 21 · EIN 64-0169065 | Bank Trustee | $42,365 |
CHARLES SCHWAB & CO., INC.7+ 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $110,016 | $104,482+5.3% | $159,455-31.0% | $79,393+38.6% |
| Participation rate | 56.6% | 76.6%-20.0pp | 82.8%-26.2pp | 70.7%-14.1pp |
| Annual return | 10.40% | 67.96%-57.6pp | 263.63%-253.2pp | 116.87%-106.5pp |
| Employer contribution / active EE | $2,639 | $3,416-22.8% | $4,830-45.4% | $2,428+8.7% |
| Participant deferral / active EE | $4,422 | $6,467-31.6% | $7,353-39.9% | $4,046+9.3% |
| Admin fee / account holder | $451 | $711-36.6% | $10,800-95.8% | $627-28.1% |