Filed October 14, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $56,589 |
WELLS FARGO BANK, N.A.7+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $19,909 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MGMT LLC Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,390 | $79,694-4.1% | $96,192-20.6% | $79,389-3.8% |
| Participation rate | 94.3% | 54.0%+40.3pp | 68.4%+25.8pp | 70.7%+23.6pp |
| Annual return | 14.70% | 40.84%-26.1pp | 192.09%-177.4pp | 116.89%-102.2pp |
| Employer contribution / active EE | $956 | $1,443-33.7% | $2,799-65.8% | $2,428-60.6% |
| Participant deferral / active EE | $3,518 | $2,539+38.6% | $4,351-19.1% | $4,046-13.0% |
| Admin fee / account holder | $354 | $630-43.8% | $5,539-93.6% | $626-43.5% |