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| Provider | Service type | Compensation |
|---|---|---|
NICOLET NATIONAL BANK3 years Service code 26 · EIN 39-1990426 | Advisory (Participants) | $22,151 |
ALERUS FINANCIAL, N.A.3 years Service code 15 · EIN 46-0140105 | Recordkeeping | $10,575 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $71,612 | $62,928+13.8% | $172,753-58.5% | $67,582+6.0% |
| Participation rate | 23.8% | 64.5%-40.7pp | 82.6%-58.9pp | 71.3%-47.5pp |
| Annual return | 19.63% | 30.36%-10.7pp | 803.00%-783.4pp | 378.57%-358.9pp |
| Employer contribution / active EE | $359 | $1,636-78.0% | $5,144-93.0% | $2,148-83.3% |
| Participant deferral / active EE | $652 | $2,145-69.6% | $5,198-87.5% | $3,539-81.6% |
| Admin fee / account holder | $372 | $167+123.2% | $13,956-97.3% | $142+161.4% |