Filed December 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.8+ years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401 S TRYON ST 11TH FL D1050-111 · CHARLOTTE, NC 28081 | Advisory (Plan) | $37,800 |
AMERICAN FUNDS4 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $6,072 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $55,220 | $46,332+19.2% | $143,799-61.6% | $64,819-14.8% |
| Participation rate | 45.4% | 64.2%-18.9pp | 80.3%-34.9pp | 71.5%-26.1pp |
| Annual return | -17.66% | -10.05%-7.6pp | -0.04%-17.6pp | 32.84%-50.5pp |
| Employer contribution / active EE | $1,116 | $1,911-41.6% | $4,952-77.5% | $2,507-55.5% |
| Participant deferral / active EE | $2,193 | $2,647-17.2% | $5,638-61.1% | $4,311-49.1% |
| Admin fee / account holder | $230 | $154+49.3% | $14,677-98.4% | $188+22.3% |