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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.6+ years Filed as: WELLS FARGO Service code 51 · EIN 23-2384840 100 WESTMINSTER STREET · PROVIDENCE, RI 02903 | Investment Mgmt Fees | $35,737 |
BARRETT & COMPANY3 years Filed as: BARRETT & CO. Service code 51 THE WILCOX BUILDING · PROVIDENCE, RI 02903 | Investment Mgmt Fees | $3,375 |
MARCUM LLP6+ years Service code 10 · EIN 11-1986323 155 SOUTH MAIN STREET · PROVIDENCE, RI 02903 | Accounting | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $109,452 | $55,636+96.7% | $81,991+33.5% | $73,493+48.9% |
| Participation rate | 67.9% | 62.3%+5.6pp | 69.3%-1.3pp | 70.7%-2.8pp |
| Annual return | 6.48% | 19.07%-12.6pp | 41.31%-34.8pp | 28.51%-22.0pp |
| Employer contribution / active EE | $1,140 | $1,625-29.8% | $2,498-54.4% | $2,270-49.8% |
| Participant deferral / active EE | $3,280 | $2,762+18.7% | $3,722-11.9% | $3,740-12.3% |
| Admin fee / account holder | $336 | $493-31.9% | $5,665-94.1% | $513-34.6% |