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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIN TRUST CAPITAL ADVISORS, LLC Service code 27 · EIN 26-1204987 | Advisory (Plan) | $14,758 |
WELLS FARGO BANK, N.A.5+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $10,389 |
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.
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 | $54,179 | $72,492-25.3% | $87,104-37.8% | $72,975-25.8% |
| Participation rate | 69.1% | 72.8%-3.7pp | 76.9%-7.8pp | 69.5%-0.4pp |
| Annual return | 14.84% | 24.46%-9.6pp | 28.19%-13.3pp | 81.01%-66.2pp |
| Employer contribution / active EE | $1,276 | $1,894-32.6% | $2,521-49.4% | $2,440-47.7% |
| Participant deferral / active EE | $3,914 | $3,270+19.7% | $4,048-3.3% | $3,608+8.5% |
| Admin fee / account holder | $381 | $5,055-92.5% | $7,491-94.9% | $5,124-92.6% |