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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $29,657 |
WELLS FARGO BANK, N.A.6+ years Filed as: WELLS FARGO ADVISORS, LLC Service code 27 | Advisory (Plan) | $16,154 |
WELLS FARGO BANK, N.A.4 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 27 · EIN 34-1542819 | Advisory (Plan) | $11,504 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $45,695 | $99,957-54.3% | $149,730-69.5% | $73,493-37.8% |
| Participation rate | 45.5% | 75.7%-30.2pp | 82.5%-37.0pp | 70.7%-25.2pp |
| Annual return | 13.40% | 53.87%-40.5pp | 276.70%-263.3pp | 28.51%-15.1pp |
| Employer contribution / active EE | $1,814 | $3,191-43.1% | $4,645-60.9% | $2,270-20.1% |
| Participant deferral / active EE | $4,345 | $6,073-28.4% | $6,843-36.5% | $3,740+16.2% |
| Admin fee / account holder | $305 | $551-44.6% | $9,310-96.7% | $513-40.6% |