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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO Service code 15 · EIN 34-1542819 | Recordkeeping | $25,884 |
ADP BROKER-DEALER3 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $20,425 |
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 | $79,729 | $27,800+186.8% | $58,544+36.2% | $71,495+11.5% |
| Participation rate | 41.9% | 34.6%+7.3pp | 50.9%-9.0pp | 67.9%-26.1pp |
| Annual return | 14.90% | 26.80%-11.9pp | 4249.56%-4234.7pp | 28.85%-14.0pp |
| Employer contribution / active EE | $554 | $632-12.3% | $1,053-47.4% | $2,589-78.6% |
| Participant deferral / active EE | $1,488 | $1,208+23.2% | $1,923-22.6% | $4,291-65.3% |
| Admin fee / account holder | $333 | $1,637-79.7% | $2,520-86.8% | $1,588-79.0% |