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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 PO BOX 986 1100 W ST GERMAIN ST · ST CLOUD, MN 56301 | Directed Trustee | $18,364 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,129 | $55,446-25.8% | $155,574-73.6% | $74,429-44.7% |
| Participation rate | 69.9% | 61.9%+8.0pp | 78.2%-8.3pp | 67.2%+2.7pp |
| Annual return | 10.69% | 269.20%-258.5pp | 64.87%-54.2pp | 1368.38%-1357.7pp |
| Employer contribution / active EE | $2,435 | $2,266+7.4% | $4,676-47.9% | $2,625-7.2% |
| Participant deferral / active EE | $2,196 | $2,836-22.5% | $5,629-61.0% | $4,348-49.5% |
| Admin fee / account holder | $165 | $1,743-90.5% | $15,914-99.0% | $1,944-91.5% |