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| Provider | Service type | Compensation |
|---|---|---|
BREMER BANK NATIONAL ASSOCIATION1+ years Filed as: BREMER TRUST, N.A. Service code 21 · EIN 41-1565461 P.O. BOX 986 · ST. CLOUD, MN 563020986 | Bank Trustee | $9,570 |
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.
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 | $36,118 | $46,360-22.1% | $147,617-75.5% | $52,331-31.0% |
| Participation rate | 34.7% | 64.9%-30.2pp | 84.6%-49.9pp | 68.1%-33.4pp |
| Annual return | -0.28% | 1.62%-1.9pp | 61.98%-62.3pp | 4.54%-4.8pp |
| Employer contribution / active EE | $198 | $2,126-90.7% | $5,564-96.4% | $1,882-89.5% |
| Participant deferral / active EE | $798 | $2,258-64.6% | $4,895-83.7% | $3,022-73.6% |
| Admin fee / account holder | $174 | $766-77.3% | $11,612-98.5% | $592-70.6% |