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| Provider | Service type | Compensation |
|---|---|---|
ALERUS FINANCIAL, N.A.5 years Service code 15 · EIN 45-6062081 | Recordkeeping | $23,893 |
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 | $23,557 | $65,125-63.8% | $143,797-83.6% | $66,949-64.8% |
| Participation rate | 97.7% | 65.2%+32.5pp | 80.3%+17.4pp | 69.8%+27.9pp |
| Annual return | -12.90% | -11.13%-1.8pp | -0.04%-12.9pp | 1.57%-14.5pp |
| Employer contribution / active EE | $747 | $2,362-68.4% | $4,952-84.9% | $2,545-70.7% |
| Participant deferral / active EE | $3,225 | $2,920+10.4% | $5,638-42.8% | $4,239-23.9% |
| Admin fee / account holder | $126 | $503-74.9% | $14,679-99.1% | $594-78.7% |