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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.4+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
HANCOCK WHITNEY BANK4+ 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 | $33,382 | $28,109+18.8% | $71,086-53.0% | $56,287-40.7% |
| Participation rate | 16.0% | 40.4%-24.4pp | 54.7%-38.6pp | 69.9%-53.8pp |
| Annual return | -4.39% | -615.05%+610.7pp | 650.59%-655.0pp | -9.96%+5.6pp |
| Employer contribution / active EE | $0 | $558-100.0% | $1,088-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $644 | $1,116-42.3% | $1,874-65.6% | $3,350-80.8% |
| Admin fee / account holder | $0 | $585-100.0% | $3,082-100.0% | $521-100.0% |