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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO ADVISORS Service code 27 · EIN 34-1542819 | Advisory (Plan) | $4,515 |
THE VANGUARD GROUP, INC.4+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $320 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $40,037 | $49,138-18.5% | $84,023-52.3% | $65,186-38.6% |
| Participation rate | 33.1% | 60.7%-27.7pp | 69.0%-36.0pp | 70.2%-37.1pp |
| Annual return | 17.68% | 23.00%-5.3pp | 71.32%-53.6pp | 29.39%-11.7pp |
| Employer contribution / active EE | $286 | $914-68.7% | $1,984-85.6% | $2,177-86.9% |
| Participant deferral / active EE | $1,136 | $2,397-52.6% | $3,239-64.9% | $3,514-67.7% |
| Admin fee / account holder | $91 | $543-83.2% | $6,102-98.5% | $847-89.2% |