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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY3 years Service code 15 · EIN 42-0223620 | Recordkeeping | $40,290 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,458 | $65,125+8.2% | $143,797-51.0% | $66,949+5.2% |
| Participation rate | 62.5% | 65.2%-2.7pp | 80.3%-17.8pp | 69.8%-7.3pp |
| Annual return | -14.30% | -11.13%-3.2pp | -0.04%-14.3pp | 1.57%-15.9pp |
| Employer contribution / active EE | $2,047 | $2,362-13.4% | $4,952-58.7% | $2,545-19.6% |
| Participant deferral / active EE | $4,478 | $2,920+53.3% | $5,638-20.6% | $4,239+5.6% |
| Admin fee / account holder | $339 | $503-32.6% | $14,679-97.7% | $594-43.0% |