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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 | Securities brokerage; Securities brok... | $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 | $102,382+427.2% | $147,005+267.2% | $80,874+567.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.2%+17.8pp | 67.6%+32.4pp |
| Annual return | 3.69% | 134.89%-131.2pp | 418.76%-415.1pp | 35.62%-31.9pp |
| Employer contribution / active EE | $21,594 | $3,715+481.3% | $4,934+337.6% | $2,756+683.6% |
| Participant deferral / active EE | $14,476 | $6,646+117.8% | $8,070+79.4% | $4,297+236.9% |
| Admin fee / account holder | $443 | $7,942-94.4% | $13,006-96.6% | $6,935-93.6% |