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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.4+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $8,824 |
401(K) ADVISORS INC3 years Filed as: WF ADVISORS, LLC Service code 27 · EIN 56-0898180 | Advisory (Plan) | $5,999 |
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 | $71,115 | $49,138+44.7% | $84,020-15.4% | $65,185+9.1% |
| Participation rate | 16.1% | 60.7%-44.7pp | 69.0%-53.0pp | 70.2%-54.1pp |
| Annual return | 21.39% | 23.00%-1.6pp | 71.31%-49.9pp | 29.38%-8.0pp |
| Employer contribution / active EE | $369 | $914-59.6% | $1,984-81.4% | $2,177-83.0% |
| Participant deferral / active EE | $641 | $2,397-73.2% | $3,239-80.2% | $3,514-81.7% |
| Admin fee / account holder | $658 | $543+21.1% | $6,101-89.2% | $847-22.3% |