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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.3+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $19,825 |
WELLS FARGO BANK, N.A.3+ years Filed as: WELLS FARGO ADVISORS PCG Service code 27 · EIN 56-0276690 | Advisory (Plan) | $10,523 |
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 | $34,635 | $54,368-36.3% | $117,039-70.4% | $62,293-44.4% |
| Participation rate | 44.0% | 64.9%-20.9pp | 77.2%-33.1pp | 69.5%-25.5pp |
| Annual return | 14.17% | 21.77%-7.6pp | 18.95%-4.8pp | 28.90%-14.7pp |
| Employer contribution / active EE | $762 | $1,692-55.0% | $3,785-79.9% | $2,042-62.7% |
| Participant deferral / active EE | $493 | $2,269-78.3% | $3,929-87.4% | $3,169-84.4% |
| Admin fee / account holder | $354 | $493-28.2% | $5,974-94.1% | $479-26.1% |