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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1 year Service code 15 · EIN 94-1347393 | Recordkeeping | $6,091 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,412 | $73,102-43.4% | $123,549-66.5% | $56,287-26.4% |
| Participation rate | 59.0% | 74.3%-15.4pp | 82.3%-23.3pp | 69.9%-10.9pp |
| Annual return | -8.59% | 3.01%-11.6pp | 119.20%-127.8pp | -9.96%+1.4pp |
| Employer contribution / active EE | $2,048 | $2,977-31.2% | $4,628-55.7% | $2,111-3.0% |
| Participant deferral / active EE | $3,736 | $5,423-31.1% | $6,426-41.9% | $3,350+11.5% |
| Admin fee / account holder | $261 | $554-53.0% | $9,284-97.2% | $521-50.0% |