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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK10+ years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $39,699 |
Filed as: TRANSAMERICA RETIREMENT SOLUTIONS, Service code 15 · EIN 13-3689044 | Recordkeeping | $38,431 |
SENTINEL PENSION LLC7 years Filed as: SENTINEL PENSION, LLC Service code 15 · EIN 46-0570503 | Recordkeeping | $18,077 |
Filed as: TRANSAMERICA TRUST COMPANY Service code 21 · EIN 42-0947998 | Bank Trustee | $167 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,228 | $73,532-26.3% | $178,505-69.6% | $74,478-27.2% |
| Participation rate | 67.3% | 66.6%+0.7pp | 77.1%-9.8pp | 67.2%+0.1pp |
| Annual return | 8.87% | 17.49%-8.6pp | 27.16%-18.3pp | 1370.56%-1361.7pp |
| Employer contribution / active EE | $1,570 | $2,221-29.3% | $3,955-60.3% | $2,626-40.2% |
| Participant deferral / active EE | $3,804 | $4,519-15.8% | $6,280-39.4% | $4,350-12.6% |
| Admin fee / account holder | $599 | $1,813-67.0% | $10,428-94.3% | $1,946-69.2% |