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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.2+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $11,826 |
401(K) ADVISORS INC1 year Filed as: WF ADVISORS, LLC Service code 27 · EIN 34-1542819 | Advisory (Plan) | $6,197 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,874 | $51,466+64.9% | $78,778+7.7% | $62,293+36.2% |
| Participation rate | 16.5% | 59.8%-43.2pp | 69.2%-52.6pp | 69.5%-53.0pp |
| Annual return | 19.12% | 19.96%-0.8pp | 35.62%-16.5pp | 28.90%-9.8pp |
| Employer contribution / active EE | $406 | $827-51.0% | $1,986-79.6% | $2,042-80.1% |
| Participant deferral / active EE | $722 | $2,147-66.4% | $2,958-75.6% | $3,169-77.2% |
| Admin fee / account holder | $789 | $489+61.2% | $5,134-84.6% | $479+64.5% |