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| Provider | Service type | Compensation |
|---|---|---|
GWLM, LLP2 years Service code 10 · EIN 52-2334868 | Accounting | $17,450 |
WELLS FARGO BANK, N.A.3 years Filed as: WELLS FARGO ADVISORS Service code 27 · EIN 48-1305000 | Advisory (Plan) | $12,181 |
Service code 13 · EIN 52-0909772 | Contract Administrator | $11,268 |
CAPTIAL BANK AND TRUST3 years Service code 13 · EIN 95-6817943 | Contract Administrator | $7,689 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,637 | $58,888-44.6% | $178,499-81.7% | $73,493-55.6% |
| Participation rate | 43.1% | 66.2%-23.1pp | 81.9%-38.8pp | 70.7%-27.6pp |
| Annual return | 20.48% | 24.86%-4.4pp | 151.10%-130.6pp | 28.51%-8.0pp |
| Employer contribution / active EE | $1,297 | $2,236-42.0% | $5,011-74.1% | $2,270-42.9% |
| Participant deferral / active EE | $2,314 | $2,568-9.9% | $5,202-55.5% | $3,740-38.1% |
| Admin fee / account holder | $378 | $400-5.5% | $13,986-97.3% | $513-26.2% |