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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.2+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $18,573 |
WELLS FARGO BANK, N.A.2+ years Filed as: WELLS FARGO ADVISORS PCG Service code 27 · EIN 56-0276690 | Advisory (Plan) | $9,392 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $32,263 | $51,708-37.6% | $106,619-69.7% | $62,881-48.7% |
| Participation rate | 67.7% | 66.9%+0.9pp | 78.0%-10.3pp | 69.3%-1.6pp |
| Annual return | 6.57% | 4.69%+1.9pp | 9.42%-2.9pp | 20.14%-13.6pp |
| Employer contribution / active EE | $1,619 | $1,764-8.2% | $3,947-59.0% | $2,281-29.0% |
| Participant deferral / active EE | $540 | $2,315-76.7% | $3,930-86.3% | $3,203-83.2% |
| Admin fee / account holder | $339 | $3,349-89.9% | $6,418-94.7% | $4,296-92.1% |