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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.4+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $19,451 |
KINNER & COMPANY, LTD3 years Service code 10 · EIN 46-0400356 | Accounting | $6,124 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $63,629 | $42,548+49.5% | $74,551-14.7% | $56,289+13.0% |
| Participation rate | 35.5% | 60.5%-25.0pp | 69.1%-33.6pp | 69.9%-34.3pp |
| Annual return | -7.66% | 12.40%-20.1pp | 32.53%-40.2pp | -9.96%+2.3pp |
| Employer contribution / active EE | $669 | $855-21.7% | $1,961-65.9% | $2,111-68.3% |
| Participant deferral / active EE | $1,579 | $2,277-30.7% | $3,108-49.2% | $3,350-52.9% |
| Admin fee / account holder | $301 | $467-35.6% | $5,059-94.1% | $521-42.2% |