Filed December 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO Service code 15 · EIN 34-1542819 | Recordkeeping | $49,500 |
AMERICAN FUNDS5 years Filed as: CAPITAL GROUP RETIREMENT PLAN SVCS. Service code 25 · EIN 82-4555287 | Directed Trustee | $9,180 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,379 |
ADP BROKER-DEALER1 year Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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 | $45,734 | $47,135-3.0% | $149,717-69.5% | $74,440-38.6% |
| Participation rate | 54.0% | 63.4%-9.4pp | 78.8%-24.8pp | 70.7%-16.7pp |
| Annual return | 14.97% | 22.75%-7.8pp | 134.41%-119.4pp | 34.37%-19.4pp |
| Employer contribution / active EE | $2,148 | $1,906+12.7% | $4,820-55.4% | $2,638-18.6% |
| Participant deferral / active EE | $1,035 | $2,728-62.0% | $5,682-81.8% | $4,529-77.1% |
| Admin fee / account holder | $290 | $343-15.3% | $13,213-97.8% | $348-16.5% |