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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO Service code 15 · EIN 34-1542819 | Recordkeeping | $7,388 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,423 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $0 |
Annual investment return 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $10,351 | $65,125-84.1% | $143,797-92.8% | $66,949-84.5% |
| Participation rate | 87.8% | 65.2%+22.6pp | 80.3%+7.5pp | 69.8%+17.9pp |
| Annual return | -18.75% | -11.13%-7.6pp | -0.04%-18.7pp | 1.57%-20.3pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,146 | $2,920+7.7% | $5,638-44.2% | $4,239-25.8% |
| Admin fee / account holder | $56 | $503-88.8% | $14,679-99.6% | $594-90.5% |