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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.8 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 55 · EIN 23-2384840 | Other Commissions | $7,506 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $5,358 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $31,549 | $80,781-60.9% | $102,437-69.2% | $74,478-57.6% |
| Participation rate | 65.0% | 65.7%-0.7pp | 74.5%-9.5pp | 67.2%-2.2pp |
| Annual return | 15.27% | 27.58%-12.3pp | 24.95%-9.7pp | 1370.56%-1355.3pp |
| Employer contribution / active EE | $1,181 | $3,160-62.6% | $3,871-69.5% | $2,626-55.0% |
| Participant deferral / active EE | $1,780 | $3,862-53.9% | $5,060-64.8% | $4,350-59.1% |
| Admin fee / account holder | $40 | $2,372-98.3% | $8,388-99.5% | $1,946-98.0% |