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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,493 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO ADVISORS Service code 49 400 E MAIN STREET STE 100 · VISALIA, CA 93291 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $16,609 | $42,546-61.0% | $71,796-76.9% | $55,167-69.9% |
| Participation rate | 45.7% | 59.1%-13.4pp | 69.1%-23.4pp | 69.0%-23.3pp |
| Annual return | 4.97% | 12.36%-7.4pp | 78.04%-73.1pp | 169.23%-164.3pp |
| Employer contribution / active EE | $431 | $803-46.3% | $1,924-77.6% | $1,963-78.0% |
| Participant deferral / active EE | $1,587 | $2,064-23.1% | $2,794-43.2% | $3,054-48.1% |
| Admin fee / account holder | $17 | $650-97.4% | $4,815-99.7% | $504-96.7% |