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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO ADVISORS FINANCIAL Service code 26 · EIN 36-4019175 | Advisory (Participants) | $28,008 |
Service code 26 · EIN 85-1350829 | Advisory (Participants) | $16,978 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,002 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $49,571 | $64,286-22.9% | $90,965-45.5% | $73,412-32.5% |
| Participation rate | 67.7% | 63.6%+4.1pp | 69.0%-1.3pp | 72.2%-4.5pp |
| Annual return | 500.11% | 21.46%+478.6pp | 134.57%+365.5pp | 59.30%+440.8pp |
| Employer contribution / active EE | $2,584 | $895+188.9% | $2,122+21.8% | $2,234+15.7% |
| Participant deferral / active EE | $2,939 | $2,453+19.8% | $3,373-12.9% | $3,806-22.8% |
| Admin fee / account holder | $359 | $287+25.1% | $5,960-94.0% | $158+127.5% |