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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.3 years Filed as: WELLS FARGO Service code 15 · EIN 34-1542819 | Recordkeeping | $27,654 |
ADP BROKER-DEALER4 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $21,791 |
Service code 37 · EIN 36-3429599 | Loan Processing | $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.)
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 | $96,061 | $30,421+215.8% | $56,077+71.3% | $74,429+29.1% |
| Participation rate | 45.4% | 32.9%+12.5pp | 52.5%-7.1pp | 67.2%-21.8pp |
| Annual return | 11.55% | 24.94%-13.4pp | 1709.28%-1697.7pp | 1368.38%-1356.8pp |
| Employer contribution / active EE | $686 | $610+12.5% | $1,040-34.0% | $2,625-73.9% |
| Participant deferral / active EE | $1,872 | $1,175+59.3% | $1,954-4.2% | $4,348-57.0% |
| Admin fee / account holder | $423 | $2,363-82.1% | $2,825-85.0% | $1,944-78.3% |