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| Provider | Service type | Compensation |
|---|---|---|
Filed as: BREMER TRUST, N.A. Service code 21 · EIN 41-1565461 P.O. BOX 986 · ST CLOUD, MN 56301 | Bank Trustee | $5,381 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $600 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $78,253 | $42,548+83.9% | $74,551+5.0% | $56,289+39.0% |
| Participation rate | 25.9% | 60.5%-34.5pp | 69.1%-43.2pp | 69.9%-43.9pp |
| Annual return | -4.36% | 12.40%-16.8pp | 32.53%-36.9pp | -9.96%+5.6pp |
| Employer contribution / active EE | $203 | $855-76.3% | $1,961-89.6% | $2,111-90.4% |
| Participant deferral / active EE | $1,137 | $2,277-50.1% | $3,108-63.4% | $3,350-66.0% |
| Admin fee / account holder | $153 | $467-67.2% | $5,059-97.0% | $521-70.6% |