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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.4 years Filed as: WELLS FARGO CLEARING SERVICES, LLC Service code 99 · EIN 34-1542819 | Other Fees | $29,118 |
HESSEL & ASSOCIATES, LLC4 years Service code 49 · EIN 45-4090227 | Other Services | $9,460 |
Filed as: VOYA RETIREMENT ADVISORS, LLC Service code 26 · EIN 02-0488491 | Advisory (Participants) | $2,115 |
MORNINGSTAR3 years Service code 27 · EIN 36-3297908 | Advisory (Plan) | $1,717 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $56,630 | $50,812+11.4% | $155,602-63.6% | $77,692-27.1% |
| Participation rate | 29.2% | 63.1%-33.9pp | 78.2%-49.0pp | 70.6%-41.3pp |
| Annual return | 25.95% | 34.85%-8.9pp | 64.81%-38.9pp | 31.25%-5.3pp |
| Employer contribution / active EE | $1,133 | $1,989-43.0% | $4,675-75.8% | $2,726-58.4% |
| Participant deferral / active EE | $2,647 | $2,822-6.2% | $5,629-53.0% | $4,648-43.1% |
| Admin fee / account holder | $314 | $436-28.1% | $15,923-98.0% | $431-27.1% |