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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.5 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 55 · EIN 23-2384840 | Other Commissions | $22,393 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,065 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $92,893 | $50,956+82.3% | $96,570-3.8% | $86,821+7.0% |
| Participation rate | 28.3% | 65.2%-36.9pp | 69.8%-41.5pp | 72.3%-44.0pp |
| Annual return | 9.36% | 21.27%-11.9pp | 37.79%-28.4pp | 97.94%-88.6pp |
| Employer contribution / active EE | $122 | $1,111-89.1% | $2,357-94.8% | $2,406-94.9% |
| Participant deferral / active EE | $2,089 | $2,954-29.3% | $3,849-45.7% | $4,132-49.4% |
| Admin fee / account holder | $10 | $166-93.8% | $6,182-99.8% | $170-93.9% |