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| Provider | Service type | Compensation |
|---|---|---|
BRAVERA WEALTH3 years Service code 15 · EIN 45-0436653 401 N. 4TH ST. · BISMARCK, ND 58501 | Recordkeeping | $51,083 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,115 | $48,327-0.4% | $67,575-28.8% | $80,935-40.6% |
| Participation rate | 90.5% | 66.4%+24.1pp | 72.9%+17.6pp | 67.7%+22.9pp |
| Annual return | 9.51% | 18.31%-8.8pp | 3528.98%-3519.5pp | 35.66%-26.1pp |
| Employer contribution / active EE | $2,705 | $2,022+33.8% | $2,736-1.1% | $2,757-1.9% |
| Participant deferral / active EE | $2,124 | $2,927-27.4% | $4,003-46.9% | $4,299-50.6% |
| Admin fee / account holder | $368 | $3,692-90.0% | $3,993-90.8% | $6,924-94.7% |