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| Provider | Service type | Compensation |
|---|---|---|
REGIONS BANK10+ years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $34,349 |
Service code 37 · EIN 04-2647786 | Loan Processing | $28,093 |
Filed as: MERRILL LYNCH, PIERCE, FENNER, Service code 27 · EIN 13-5674085 | Advisory (Plan) | $12,087 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $118,081 | $116,081+1.7% | $156,181-24.4% | $79,634+48.3% |
| Participation rate | 42.9% | 75.6%-32.7pp | 78.8%-35.9pp | 62.5%-19.6pp |
| Annual return | 15.35% | 15.89%-0.5pp | 64.87%-49.5pp | 36.46%-21.1pp |
| Employer contribution / active EE | $795 | $2,828-71.9% | $4,294-81.5% | $2,529-68.5% |
| Participant deferral / active EE | $2,794 | $4,584-39.1% | $6,132-54.4% | $3,835-27.1% |
| Admin fee / account holder | $426 | $854-50.2% | $14,586-97.1% | $1,002-57.5% |