Filed December 16, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $74,898 |
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 49 · EIN 34-1542819 | Other Services | $13,556 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO ADVISORS INS AGENCY LLC Service code 49 · EIN 54-0910269 | Other Services | $7,557 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $11,566 | $42,367-72.7% | $79,576-85.5% | $64,814-82.2% |
| Participation rate | 95.6% | 64.7%+30.9pp | 69.5%+26.1pp | 71.5%+24.2pp |
| Annual return | -7.81% | -12.23%+4.4pp | 0.15%-8.0pp | 32.84%-40.6pp |
| Employer contribution / active EE | $476 | $1,181-59.7% | $2,413-80.3% | $2,507-81.0% |
| Participant deferral / active EE | $2,489 | $3,170-21.5% | $3,985-37.5% | $4,310-42.2% |
| Admin fee / account holder | $126 | $160-21.1% | $6,834-98.2% | $188-33.0% |