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| Provider | Service type | Compensation |
|---|---|---|
MMA SECURITIES LLC1 year Filed as: MMA SECURITIES Service code 55 · EIN 22-3570392 | Other Commissions | $9,225 |
WELLS FARGO BANK, N.A.3 years Filed as: WELLS FARGO CLEARING SERVICES LLC Service code 55 · EIN 23-2384840 | Other Commissions | $6,652 |
Service code 37 · EIN 04-2647786 | Loan Processing | $819 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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.
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 | $76,551 | $65,378+17.1% | $87,103-12.1% | $65,186+17.4% |
| Participation rate | 65.1% | 75.3%-10.2pp | 76.9%-11.8pp | 70.2%-5.1pp |
| Annual return | 20.79% | 31.28%-10.5pp | 28.19%-7.4pp | 29.39%-8.6pp |
| Employer contribution / active EE | $1 | $1,823-99.9% | $2,521-100.0% | $2,177-99.9% |
| Participant deferral / active EE | $3,143 | $3,389-7.3% | $4,049-22.4% | $3,514-10.6% |
| Admin fee / account holder | $9 | $520-98.3% | $7,491-99.9% | $847-99.0% |