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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY2 years Service code 15 · EIN 42-0223620 | Recordkeeping | $32,078 |
LATTAHARRIS, LLP1 year Filed as: LATTA HARRIS, LLP Service code 10 · EIN 39-1901322 | Accounting | $12,570 |
EIDE BAILLY LLP1 year Filed as: EIDE BAILLY Service code 15 · EIN 45-0250958 | Recordkeeping | $9,500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $89,504 | $38,365+133.3% | $84,628+5.8% | $65,185+37.3% |
| Participation rate | 20.5% | 55.7%-35.2pp | 68.2%-47.8pp | 70.2%-49.7pp |
| Annual return | 18.58% | 32.00%-13.4pp | 258.80%-240.2pp | 29.38%-10.8pp |
| Employer contribution / active EE | $406 | $1,258-67.7% | $2,653-84.7% | $2,177-81.3% |
| Participant deferral / active EE | $888 | $2,278-61.0% | $3,900-77.2% | $3,514-74.7% |
| Admin fee / account holder | $911 | $451+101.8% | $4,914-81.5% | $847+7.5% |