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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.4 years Filed as: WELLS FARGO Service code 15 · EIN 34-1542819 | Recordkeeping | $26,486 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $19,848 |
ADP BROKER-DEALER1 year Service code 37 · EIN 22-3319984 | Loan Processing | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $109,969 | $29,319+275.1% | $52,425+109.8% | $82,448+33.4% |
| Participation rate | 51.1% | 46.9%+4.3pp | 55.6%-4.5pp | 68.1%-16.9pp |
| Annual return | 11.73% | 535.20%-523.5pp | 302.12%-290.4pp | 41.64%-29.9pp |
| Employer contribution / active EE | $1,070 | $586+82.5% | $914+17.1% | $2,551-58.0% |
| Participant deferral / active EE | $3,058 | $1,171+161.0% | $1,790+70.8% | $4,139-26.1% |
| Admin fee / account holder | $486 | $1,962-75.2% | $2,495-80.5% | $7,234-93.3% |