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I would just apply for a FT role. Wells is in need of a lot of employees and paying pretty good money. But probably expect something in the 80k-120k range as a contractor. Your location will also play a part in it. If they want you to go into the office like they want everyone to figure in what it would cost you with gas, parking, food, etc...
Yeah, co tract roles don't come with any benefits or PTO. I've heard one person I use to work with say a contract company did offer them benefits and PTO but that is rare. I would go back to the recruiter and say something along the lines of I've done more research on the role and I would be more comfortable with a salary in the 90k-110k range. Hopefully, you can get 100k because without benefits and PTO I would not take a job for 80k. Definitely look on Wells career site and apply for some full time jobs. You will get the interview.