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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO ADVISORS FINANCIAL NETW Service code 15 · EIN 48-1305000 | Recordkeeping | $10,529 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $455 |
ADP BROKER-DEALER7+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,657 | $104,482-54.4% | $159,455-70.1% | $79,393-40.0% |
| Participation rate | 58.3% | 76.6%-18.3pp | 82.8%-24.6pp | 70.7%-12.4pp |
| Annual return | 13.62% | 67.96%-54.3pp | 263.63%-250.0pp | 116.87%-103.3pp |
| Employer contribution / active EE | $0 | $3,416-100.0% | $4,830-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $4,184 | $6,467-35.3% | $7,353-43.1% | $4,046+3.4% |
| Admin fee / account holder | $107 | $711-85.0% | $10,800-99.0% | $627-83.0% |