Filed March 20, 2026
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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY3 years Filed as: DUBUQUE BANK AND TRUST COMPANY Service code 15 · EIN 42-0223620 | Recordkeeping | $26,211 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,552 | $60,989-64.7% | $60,919-64.6% | $66,949-67.8% |
| Participation rate | 52.0% | 74.5%-22.5pp | 73.1%-21.1pp | 69.8%-17.8pp |
| Annual return | -16.41% | -9.60%-6.8pp | 16.96%-33.4pp | 1.57%-18.0pp |
| Employer contribution / active EE | $784 | $2,661-70.6% | $2,704-71.0% | $2,545-69.2% |
| Participant deferral / active EE | $1,320 | $3,615-63.5% | $3,814-65.4% | $4,239-68.9% |
| Admin fee / account holder | $250 | $338-26.2% | $3,228-92.3% | $594-57.9% |