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| Provider | Service type | Compensation |
|---|---|---|
WFG ADVISORS4 years Filed as: WFG INVESTMENTS INC Service code 27 · EIN 03-0509863 | Advisory (Plan) | $12,586 |
Service code 37 · EIN 04-2647786 | Loan Processing | $375 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $60,177 | $49,138+22.5% | $84,023-28.4% | $65,186-7.7% |
| Participation rate | 20.3% | 60.7%-40.5pp | 69.0%-48.7pp | 70.2%-49.9pp |
| Annual return | 22.61% | 23.00%-0.4pp | 71.32%-48.7pp | 29.39%-6.8pp |
| Employer contribution / active EE | $206 | $914-77.5% | $1,984-89.6% | $2,177-90.5% |
| Participant deferral / active EE | $1,514 | $2,397-36.8% | $3,239-53.3% | $3,514-56.9% |
| Admin fee / account holder | $350 | $543-35.5% | $6,102-94.3% | $847-58.7% |