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| Provider | Service type | Compensation |
|---|---|---|
WOODTRUST BANK4 years Service code 15 · EIN 39-0720440 | Recordkeeping | $153,409 |
CLIFTONLARSONALLEN LLP2 years Filed as: CLIFTON LARSON ALLEN LLP Service code 27 · EIN 41-0746749 | Advisory (Plan) | $9,030 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $403,823 | $98,776+308.8% | $149,745+169.7% | $79,856+405.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 10.06% | 27.38%-17.3pp | 276.72%-266.7pp | 31.71%-21.7pp |
| Employer contribution / active EE | $18,458 | $3,217+473.7% | $4,646+297.3% | $2,471+646.9% |
| Participant deferral / active EE | $6,033 | $5,681+6.2% | $6,843-11.8% | $3,741+61.3% |
| Admin fee / account holder | $1,438 | $6,053-76.3% | $9,312-84.6% | $5,306-72.9% |