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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $13,310 |
NAVIGATE FINANCIAL LLC1 year Service code 15 · EIN 92-3881045 | Recordkeeping | $10,162 |
WELLS FARGO BANK, N.A.7 years Filed as: WELLS FARGO ADVISORS FINANCIAL NETW Service code 15 · EIN 48-1305000 | Recordkeeping | $9,411 |
ADP BROKER-DEALER8 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,615 | $93,598-42.7% | $135,974-60.6% | $75,173-28.7% |
| Participation rate | 67.7% | 75.2%-7.5pp | 81.9%-14.2pp | 67.2%+0.5pp |
| Annual return | 14.98% | 30.89%-15.9pp | 68.30%-53.3pp | 160.72%-145.7pp |
| Employer contribution / active EE | $1,318 | $3,538-62.8% | $4,859-72.9% | $2,671-50.7% |
| Participant deferral / active EE | $6,892 | $6,405+7.6% | $7,760-11.2% | $4,126+67.0% |
| Admin fee / account holder | $310 | $6,978-95.6% | $10,767-97.1% | $5,651-94.5% |