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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $815 |
ADP BROKER-DEALER6+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
WELLS FARGO BANK, N.A.5+ years Filed as: WELLS FARGO ADVISORS Service code 49 1501 W SWANN AVENUE · TAMPA, FL 33606 | Other Services | $0 |
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.
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 | $39,101 | $43,133-9.3% | $89,400-56.3% | $73,493-46.8% |
| Participation rate | 38.7% | 55.0%-16.3pp | 68.0%-29.3pp | 70.7%-32.0pp |
| Annual return | 15.16% | 135.66%-120.5pp | 245.64%-230.5pp | 28.51%-13.4pp |
| Employer contribution / active EE | $211 | $1,438-85.3% | $2,586-91.8% | $2,270-90.7% |
| Participant deferral / active EE | $1,891 | $2,445-22.6% | $3,890-51.4% | $3,740-49.4% |
| Admin fee / account holder | $9 | $444-97.9% | $4,882-99.8% | $513-98.2% |