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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY3 years Service code 15 · EIN 42-0223620 | Recordkeeping | $41,857 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $92,800 | $86,288+7.5% | $111,306-16.6% | $85,851+8.1% |
| Participation rate | 44.1% | 73.3%-29.3pp | 77.3%-33.3pp | 69.3%-25.3pp |
| Annual return | 15.30% | 19.99%-4.7pp | 54.67%-39.4pp | 318.63%-303.3pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,060 | $3,641-43.4% | $4,488-54.1% | $3,952-47.9% |
| Admin fee / account holder | $625 | $8,189-92.4% | $7,966-92.2% | $6,261-90.0% |