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| Provider | Service type | Compensation |
|---|---|---|
H J & ASSOCIATES1+ years Service code 10 · EIN 87-0651618 | Accounting | $32,594 |
ALERUS FINANCIAL, N.A.1+ years Service code 15 · EIN 45-6062081 | Recordkeeping | $30,545 |
CAPITAL MANAGEMENT1+ years Filed as: LUNT CAPITAL MANAGEMENT Service code 27 · EIN 75-3093123 | Advisory (Plan) | $22,820 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $18,590 | $68,413-72.8% | $123,106-84.9% | $55,191-66.3% |
| Participation rate | 44.0% | 84.5%-40.5pp | 86.8%-42.8pp | 69.2%-25.1pp |
| Annual return | -4.03% | 6.30%-10.3pp | 13.22%-17.2pp | 10.78%-14.8pp |
| Employer contribution / active EE | $1,155 | $3,050-62.1% | $5,151-77.6% | $1,899-39.2% |
| Participant deferral / active EE | $1,842 | $4,490-59.0% | $6,229-70.4% | $3,046-39.5% |
| Admin fee / account holder | $417 | $88+375.2% | $9,015-95.4% | $91+359.7% |