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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS Service code 21 · EIN 23-2384840 | Bank Trustee | $77,111 |
CBIZ RETIREMENT PLAN SERVICES1+ years Filed as: CBIZ BENEFIT & INSURANCE SERVICES Service code 14 44 BALTIMORE STREET · CUMBERLAND, MD 21502 | Plan Administrator | $8,247 |
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.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
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 | $48,139 | $52,306-8.0% | $69,779-31.0% | $62,881-23.4% |
| Participation rate | 40.0% | 67.2%-27.2pp | 71.8%-31.8pp | 69.3%-29.3pp |
| Annual return | 1.42% | 13.35%-11.9pp | 12.99%-11.6pp | 20.14%-18.7pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,338-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $0 | $2,395-100.0% | $2,931-100.0% | $3,203-100.0% |
| Admin fee / account holder | $760 | $3,691-79.4% | $4,381-82.6% | $4,296-82.3% |