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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $9,537 |
ADP BROKER-DEALER9+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
WELLS FARGO BANK, N.A.9+ years Filed as: WELLS FARGO ADVISORS Service code 49 11512 EL CAMINO REAL STE 210 · SAN DIEGO, CA 92130 | Other Services | $0 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,061 | $44,898-79.8% | $85,187-89.4% | $199,960-95.5% |
| Participation rate | 9.7% | 45.7%-36.1pp | 67.5%-57.8pp | 72.0%-62.3pp |
| Annual return | 13.41% | 20.98%-7.6pp | 66.67%-53.3pp | 34.28%-20.9pp |
| Employer contribution / active EE | $0 | $1,367-100.0% | $2,732-100.0% | $3,036-100.0% |
| Participant deferral / active EE | $295 | $2,670-88.9% | $4,525-93.5% | $5,087-94.2% |
| Admin fee / account holder | $29 | $585-95.0% | $6,162-99.5% | $269-89.1% |