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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.3+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
HANCOCK WHITNEY BANK3+ years Filed as: WHITNEY BANK Service code 21 · EIN 72-1171087 | Bank Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $31,765 | $31,388+1.2% | $73,550-56.8% | $62,293-49.0% |
| Participation rate | 15.5% | 39.9%-24.3pp | 54.9%-39.4pp | 69.5%-54.0pp |
| Annual return | 14.80% | 25.34%-10.5pp | -15.16%+30.0pp | 28.90%-14.1pp |
| Employer contribution / active EE | $0 | $498-100.0% | $1,219-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $543 | $1,028-47.2% | $1,804-69.9% | $3,169-82.9% |
| Admin fee / account holder | $0 | $299-100.0% | $2,320-100.0% | $479-100.0% |