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| Provider | Service type | Compensation |
|---|---|---|
HANCOCK WHITNEY BANK3 years Service code 21 · EIN 64-0169065 | Bank Trustee | $57,445 |
CHARLES SCHWAB & CO., INC.8+ 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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $101,133 | $84,493+19.7% | $125,381-19.3% | $66,938+51.1% |
| Participation rate | 54.3% | 76.4%-22.1pp | 82.4%-28.1pp | 69.8%-15.5pp |
| Annual return | -12.92% | -8.49%-4.4pp | 572.31%-585.2pp | 1.58%-14.5pp |
| Employer contribution / active EE | $2,539 | $3,554-28.6% | $4,815-47.3% | $2,545-0.3% |
| Participant deferral / active EE | $4,307 | $6,783-36.5% | $7,448-42.2% | $4,238+1.6% |
| Admin fee / account holder | $605 | $685-11.7% | $10,007-94.0% | $594+1.9% |