Filed December 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.3+ years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081 | Advisory (Plan) | $14,872 |
AMERICAN FUNDS3+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $5,801 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,840 | $46,173-26.7% | $170,435-80.1% | $69,631-51.4% |
| Participation rate | 38.3% | 63.9%-25.6pp | 83.6%-45.3pp | 70.7%-32.4pp |
| Annual return | 15.85% | 21.62%-5.8pp | 205.94%-190.1pp | 27571.02%-27555.2pp |
| Employer contribution / active EE | $915 | $1,610-43.2% | $5,432-83.2% | $2,032-55.0% |
| Participant deferral / active EE | $1,532 | $2,080-26.4% | $4,939-69.0% | $3,224-52.5% |
| Admin fee / account holder | $98 | $116-15.1% | $13,881-99.3% | $110-10.9% |