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| Provider | Service type | Compensation |
|---|---|---|
BAM ADVISOR SERVICES5 years Service code 26 · EIN 20-8307105 | Advisory (Participants) | $36,306 |
ALERUS FINANCIAL, N.A.5 years Service code 15 · EIN 45-6062081 | Recordkeeping | $15,672 |
SIKICH LLP1 year Filed as: SIKICH CPA LLP Service code 10 · EIN 54-1172176 | Accounting | $15,200 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,321 | $59,456+26.7% | $93,681-19.6% | $74,400+1.2% |
| Participation rate | 59.5% | 59.6%-0.2pp | 68.7%-9.3pp | 67.2%-7.8pp |
| Annual return | 13.49% | 82.00%-68.5pp | 133.47%-120.0pp | 1367.51%-1354.0pp |
| Employer contribution / active EE | $1,609 | $1,266+27.1% | $2,422-33.6% | $2,624-38.7% |
| Participant deferral / active EE | $2,973 | $3,052-2.6% | $4,415-32.7% | $4,348-31.6% |
| Admin fee / account holder | $840 | $3,026-72.2% | $8,290-89.9% | $1,944-56.8% |