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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA FINANCIAL, INC. Service code 16 · EIN 47-1566880 | Consulting | $22,684 |
ALERUS FINANCIAL, N.A.1 year Service code 15 · EIN 45-6062081 | Recordkeeping | $11,033 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $34,048 | $42,367-19.6% | $79,576-57.2% | $64,814-47.5% |
| Participation rate | 69.4% | 64.7%+4.6pp | 69.5%-0.1pp | 71.5%-2.1pp |
| Annual return | -1.49% | -12.23%+10.7pp | 0.15%-1.6pp | 32.84%-34.3pp |
| Employer contribution / active EE | $483 | $1,181-59.1% | $2,413-80.0% | $2,507-80.7% |
| Participant deferral / active EE | $1,520 | $3,170-52.0% | $3,985-61.8% | $4,310-64.7% |
| Admin fee / account holder | $119 | $160-25.3% | $6,834-98.3% | $188-36.6% |