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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $32,004 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO Service code 15 · EIN 34-1542819 | Recordkeeping | $11,697 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $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.)
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).
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 | $53,504 | $89,652-40.3% | $141,197-62.1% | $65,186-17.9% |
| Participation rate | 69.9% | 74.7%-4.9pp | 82.5%-12.6pp | 70.2%-0.3pp |
| Annual return | 525.05% | 32.79%+492.3pp | 71.41%+453.6pp | 29.39%+495.7pp |
| Employer contribution / active EE | $1,843 | $3,065-39.9% | $4,736-61.1% | $2,177-15.3% |
| Participant deferral / active EE | $4,747 | $5,691-16.6% | $6,710-29.3% | $3,514+35.1% |
| Admin fee / account holder | $319 | $569-43.9% | $10,265-96.9% | $847-62.3% |