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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 27 · EIN 23-2384840 | Advisory (Plan) | $14,889 |
Service code 37 · EIN 04-2647786 | Loan Processing | $14,396 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,309 | $41,150+49.0% | $80,627-24.0% | $71,511-14.3% |
| Participation rate | 57.3% | 50.3%+7.0pp | 67.0%-9.8pp | 67.9%-10.7pp |
| Annual return | 17.48% | 38.48%-21.0pp | 936.76%-919.3pp | 28.86%-11.4pp |
| Employer contribution / active EE | $1,400 | $1,515-7.6% | $2,723-48.6% | $2,589-45.9% |
| Participant deferral / active EE | $2,657 | $2,701-1.7% | $4,443-40.2% | $4,291-38.1% |
| Admin fee / account holder | $380 | $1,841-79.3% | $5,381-92.9% | $1,588-76.1% |