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| Provider | Service type | Compensation |
|---|---|---|
JOHNSON & COMPANY1 year Service code 50 · EIN 20-5986766 | Direct Payment | $10,000 |
WELLS FARGO BANK, N.A.3+ years Service code 15 · EIN 94-1347393 | Recordkeeping | $2,711 |
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).
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 | $74,061 | $51,466+43.9% | $78,778-6.0% | $62,293+18.9% |
| Participation rate | 26.1% | 59.8%-33.7pp | 69.2%-43.1pp | 69.5%-43.5pp |
| Annual return | 19.75% | 19.96%-0.2pp | 35.62%-15.9pp | 28.90%-9.1pp |
| Employer contribution / active EE | $308 | $827-62.8% | $1,986-84.5% | $2,042-84.9% |
| Participant deferral / active EE | $1,088 | $2,147-49.4% | $2,958-63.2% | $3,169-65.7% |
| Admin fee / account holder | $454 | $489-7.2% | $5,134-91.2% | $479-5.3% |