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| Provider | Service type | Compensation |
|---|---|---|
WNB FINANCIAL7 years Service code 19 204 MAIN ST · WINONA, MN 55987 | Securities Custodian | $63,808 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $4,178 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $3,358 |
CHARLES SCHWAB & CO., INC.8 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $118,618 | $79,189+49.8% | $102,457+15.8% | $74,400+59.4% |
| Participation rate | 79.5% | 74.8%+4.8pp | 76.5%+3.0pp | 67.2%+12.3pp |
| Annual return | 12.19% | 54.98%-42.8pp | 29.41%-17.2pp | 1367.51%-1355.3pp |
| Employer contribution / active EE | $795 | $2,362-66.4% | $3,022-73.7% | $2,624-69.7% |
| Participant deferral / active EE | $2,508 | $4,415-43.2% | $5,054-50.4% | $4,348-42.3% |
| Admin fee / account holder | $505 | $2,002-74.8% | $9,451-94.7% | $1,944-74.0% |