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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.5+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $55,962 |
SAGEPOINT FINANCIAL INC5+ years Filed as: FSC SECURITIES, INC. Service code 27 · EIN 58-1288674 | Advisory (Plan) | $18,688 |
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.)
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 | $119,030 | $63,114+88.6% | $92,903+28.1% | $65,185+82.6% |
| Participation rate | 43.1% | 68.8%-25.6pp | 76.0%-32.9pp | 70.2%-27.1pp |
| Annual return | 22.77% | 28.75%-6.0pp | 109.43%-86.7pp | 29.38%-6.6pp |
| Employer contribution / active EE | $1,518 | $2,571-40.9% | $3,653-58.4% | $2,177-30.3% |
| Participant deferral / active EE | $3,038 | $3,108-2.3% | $4,238-28.3% | $3,514-13.5% |
| Admin fee / account holder | $770 | $624+23.5% | $5,795-86.7% | $847-9.1% |