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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 60 · EIN 04-2647786 | Sub-TA Fees | $55,837 |
REGIONS BANK7 years Service code 27 · EIN 63-0371391 | Advisory (Plan) | $21,491 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $14,181 | $50,812-72.1% | $155,602-90.9% | $77,692-81.7% |
| Participation rate | 35.8% | 63.1%-27.3pp | 78.2%-42.4pp | 70.6%-34.8pp |
| Annual return | 15.56% | 34.85%-19.3pp | 64.81%-49.2pp | 31.25%-15.7pp |
| Employer contribution / active EE | $115 | $1,989-94.2% | $4,675-97.5% | $2,726-95.8% |
| Participant deferral / active EE | $1,153 | $2,822-59.1% | $5,629-79.5% | $4,648-75.2% |
| Admin fee / account holder | $132 | $436-69.7% | $15,923-99.2% | $431-69.3% |