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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.3+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $154,938 |
PIAKER & LYONS3+ years Service code 10 · EIN 16-1152552 | Accounting | $12,750 |
FI360, INC. 401(K) PLAN3+ years Service code 27 · EIN 45-3596814 | Advisory (Plan) | $2,400 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $266,286 | $69,305+284.2% | $82,312+223.5% | $69,631+282.4% |
| Participation rate | 67.2% | 80.3%-13.1pp | 76.9%-9.7pp | 70.7%-3.5pp |
| Annual return | 12.98% | 21.47%-8.5pp | 25.88%-12.9pp | 27571.02%-27558.0pp |
| Employer contribution / active EE | $789 | $1,887-58.2% | $2,428-67.5% | $2,032-61.2% |
| Participant deferral / active EE | $5,367 | $3,568+50.4% | $3,706+44.8% | $3,224+66.5% |
| Admin fee / account holder | $286 | $97+194.3% | $5,608-94.9% | $110+159.0% |