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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.1 year Service code 15 · EIN 94-1347393 | Recordkeeping | $24,464 |
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 | $49,405 | $54,368-9.1% | $117,039-57.8% | $62,293-20.7% |
| Participation rate | 35.3% | 64.9%-29.7pp | 77.2%-41.9pp | 69.5%-34.3pp |
| Annual return | 20.94% | 21.77%-0.8pp | 18.95%+2.0pp | 28.90%-8.0pp |
| Employer contribution / active EE | $1,579 | $1,692-6.6% | $3,785-58.3% | $2,042-22.7% |
| Participant deferral / active EE | $1,580 | $2,269-30.4% | $3,929-59.8% | $3,169-50.1% |
| Admin fee / account holder | $335 | $493-32.1% | $5,974-94.4% | $479-30.1% |