Filed December 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.4+ years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081 | Advisory (Plan) | $23,160 |
AMERICAN FUNDS4+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $5,929 |
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,963 | $37,196-6.0% | $154,107-77.3% | $55,725-37.3% |
| Participation rate | 46.6% | 64.1%-17.5pp | 83.0%-36.4pp | 70.9%-24.2pp |
| Annual return | -3.51% | 1319.68%-1323.2pp | 735.12%-738.6pp | 244.93%-248.4pp |
| Employer contribution / active EE | $1,078 | $1,614-33.2% | $5,298-79.6% | $2,078-48.1% |
| Participant deferral / active EE | $1,916 | $2,068-7.3% | $5,081-62.3% | $3,356-42.9% |
| Admin fee / account holder | $136 | $102+33.8% | $13,411-99.0% | $115+18.0% |