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| Provider | Service type | Compensation |
|---|---|---|
NICOLET NATIONAL BANK4 years Service code 26 · EIN 39-1990426 | Advisory (Participants) | $22,915 |
ALERUS FINANCIAL, N.A.4 years Service code 15 · EIN 46-0140105 | Recordkeeping | $10,533 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,756 | $58,895+23.5% | $178,503-59.2% | $73,497-1.0% |
| Participation rate | 25.1% | 66.2%-41.1pp | 81.9%-56.8pp | 70.7%-45.6pp |
| Annual return | 10.39% | 24.86%-14.5pp | 151.12%-140.7pp | 28.51%-18.1pp |
| Employer contribution / active EE | $336 | $2,236-85.0% | $5,011-93.3% | $2,270-85.2% |
| Participant deferral / active EE | $742 | $2,567-71.1% | $5,202-85.7% | $3,740-80.1% |
| Admin fee / account holder | $387 | $400-3.4% | $13,987-97.2% | $513-24.7% |