Filed December 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $74,843 |
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO Service code 15 · EIN 34-1542819 | Recordkeeping | $35,736 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,274 | $50,919-7.2% | $155,556-69.6% | $77,762-39.2% |
| Participation rate | 59.6% | 63.1%-3.4pp | 78.2%-18.6pp | 70.6%-10.9pp |
| Annual return | 15.90% | 34.84%-18.9pp | 64.84%-48.9pp | 31.27%-15.4pp |
| Employer contribution / active EE | $1,251 | $1,991-37.2% | $4,675-73.2% | $2,728-54.1% |
| Participant deferral / active EE | $2,457 | $2,824-13.0% | $5,631-56.4% | $4,651-47.2% |
| Admin fee / account holder | $444 | $437+1.7% | $15,885-97.2% | $433+2.6% |