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| Provider | Service type | Compensation |
|---|---|---|
CHARLES SCHWAB & CO., INC.5 years Filed as: SCHWAB RETIREMENT PLAN SERVICES INC Service code 15 · EIN 34-1479833 | Recordkeeping | $33,672 |
ALERUS FINANCIAL, N.A.1 year Filed as: ALERUS FINANCIAL Service code 28 · EIN 45-6062081 | Investment Management | $25,705 |
CHARLES SCHWAB & CO., INC.10+ years Service code 33 · EIN 94-1737782 | Float revenue; Securities brokerage c... | $1,975 |
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.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $539,806 | $102,422+427.0% | $147,117+266.9% | $80,959+566.8% |
| Participation rate | 100.0% | 75.9%+24.1pp | 82.2%+17.8pp | 67.7%+32.3pp |
| Annual return | 3.69% | 135.16%-131.5pp | 420.54%-416.8pp | 35.67%-32.0pp |
| Employer contribution / active EE | $21,594 | $3,717+480.9% | $4,932+337.8% | $2,757+683.2% |
| Participant deferral / active EE | $14,476 | $6,652+117.6% | $8,065+79.5% | $4,300+236.6% |
| Admin fee / account holder | $443 | $7,953-94.4% | $12,993-96.6% | $6,925-93.6% |