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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $34,948 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $56,562 | $70,002-19.2% | $115,037-50.8% | $52,331+8.1% |
| Participation rate | 81.7% | 72.1%+9.6pp | 81.4%+0.3pp | 68.1%+13.6pp |
| Annual return | -0.67% | 4.04%-4.7pp | 26.14%-26.8pp | 4.54%-5.2pp |
| Employer contribution / active EE | $544 | $2,715-80.0% | $4,608-88.2% | $1,882-71.1% |
| Participant deferral / active EE | $3,491 | $4,920-29.0% | $6,026-42.1% | $3,022+15.5% |
| Admin fee / account holder | $389 | $566-31.2% | $8,175-95.2% | $592-34.2% |