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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $1,925 |
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.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $101,575 | $46,745+117.3% | $60,547+67.8% | $52,331+94.1% |
| Participation rate | 60.3% | 58.6%+1.7pp | 68.0%-7.6pp | 68.1%-7.8pp |
| Annual return | -0.95% | 0.61%-1.6pp | 335.64%-336.6pp | 4.54%-5.5pp |
| Employer contribution / active EE | $2,178 | $1,259+73.0% | $2,419-10.0% | $1,882+15.8% |
| Participant deferral / active EE | $3,245 | $2,145+51.3% | $3,328-2.5% | $3,022+7.4% |
| Admin fee / account holder | $417 | $537-22.3% | $4,536-90.8% | $592-29.5% |