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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1+ years Filed as: WELLS FARGO ADVISORS, LLC Service code 27 401 S TRYON ST. · CHARLOTTE, NC 28081 | Advisory (Plan) | $66,361 |
MMA SECURITIES LLC1+ years Filed as: MARSH & MCLENNAN AGENCY LLC Service code 13 P O BOX 12748 · ROANOKE, VA 240282748 | Contract Administrator | $1,800 |
AMERICAN FUNDS1+ years Filed as: CAPITAL RESEARCH AND MANAGEMENT CO Service code 64 333 SOUTH HOPE STREET · LOS ANGELES, CA 90071 | Recordkeeping Fees | $1,681 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $364,284 | $46,360+685.8% | $147,617+146.8% | $52,331+596.1% |
| Participation rate | 95.1% | 64.9%+30.2pp | 84.6%+10.5pp | 68.1%+27.0pp |
| Annual return | -1.23% | 1.62%-2.9pp | 61.98%-63.2pp | 4.54%-5.8pp |
| Employer contribution / active EE | $10,445 | $2,126+391.3% | $5,564+87.7% | $1,882+455.1% |
| Participant deferral / active EE | $7,136 | $2,258+216.1% | $4,895+45.8% | $3,022+136.1% |
| Admin fee / account holder | $1,887 | $766+146.4% | $11,612-83.7% | $592+219.0% |