Filed December 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081 | Advisory (Plan) | $12,556 |
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $6,237 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $30,276 | $37,117-18.4% | $147,617-79.5% | $55,191-45.1% |
| Participation rate | 38.0% | 63.6%-25.6pp | 84.6%-46.6pp | 69.2%-31.2pp |
| Annual return | 0.94% | 3.44%-2.5pp | 61.98%-61.0pp | 10.78%-9.8pp |
| Employer contribution / active EE | $951 | $1,620-41.3% | $5,564-82.9% | $1,899-49.9% |
| Participant deferral / active EE | $1,584 | $1,985-20.2% | $4,895-67.7% | $3,046-48.0% |
| Admin fee / account holder | $113 | $86+31.5% | $11,612-99.0% | $91+24.0% |