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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO ADVISORS LLC Service code 26 · EIN 34-1542819 | Advisory (Participants) | $93,856 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $25,290 |
WILSHIRE ASSOCIATES INCORPORATED5+ years Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 | Advisory (Participants) | $17,132 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,551 | $48,744+71.4% | $93,696-10.8% | $199,960-58.2% |
| Participation rate | 49.1% | 63.7%-14.6pp | 68.7%-19.7pp | 72.0%-22.9pp |
| Annual return | 13.44% | 15.36%-1.9pp | 133.74%-120.3pp | 34.28%-20.8pp |
| Employer contribution / active EE | $1,277 | $1,140+12.0% | $2,422-47.3% | $3,036-57.9% |
| Participant deferral / active EE | $3,696 | $2,825+30.8% | $4,417-16.3% | $5,087-27.3% |
| Admin fee / account holder | $304 | $195+55.9% | $8,287-96.3% | $269+13.0% |