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| Provider | Service type | Compensation |
|---|---|---|
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $24,175 |
WELLS FARGO BANK, N.A.4 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 27 · EIN 23-2384840 | Advisory (Plan) | $9,973 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,286 | $64,176-46.6% | $112,249-69.5% | $66,938-48.8% |
| Participation rate | 47.3% | 68.4%-21.2pp | 75.1%-27.8pp | 69.8%-22.6pp |
| Annual return | -21.65% | -13.80%-7.9pp | 27.48%-49.1pp | 1.58%-23.2pp |
| Employer contribution / active EE | $958 | $3,007-68.1% | $3,636-73.6% | $2,545-62.4% |
| Participant deferral / active EE | $2,343 | $3,694-36.6% | $4,729-50.5% | $4,238-44.7% |
| Admin fee / account holder | $332 | $626-47.0% | $6,412-94.8% | $594-44.1% |