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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.6 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 55 · EIN 23-2384840 | Other Commissions | $21,781 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,216 |
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.
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 | $76,370 | $49,471+54.4% | $79,583-4.0% | $66,949+14.1% |
| Participation rate | 34.9% | 61.4%-26.4pp | 69.5%-34.6pp | 69.8%-34.9pp |
| Annual return | -14.53% | 84.30%-98.8pp | 0.16%-14.7pp | 1.57%-16.1pp |
| Employer contribution / active EE | $149 | $1,266-88.3% | $2,414-93.8% | $2,545-94.2% |
| Participant deferral / active EE | $2,563 | $3,160-18.9% | $3,986-35.7% | $4,239-39.5% |
| Admin fee / account holder | $11 | $595-98.2% | $6,835-99.8% | $594-98.2% |