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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY4+ years Service code 15 · EIN 42-0223620 | Recordkeeping | $50,913 |
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.
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 | $66,648 | $56,918+17.1% | $182,540-63.5% | $65,185+2.2% |
| Participation rate | 70.8% | 66.5%+4.3pp | 78.0%-7.1pp | 70.2%+0.6pp |
| Annual return | 1.98% | 27.67%-25.7pp | 148.58%-146.6pp | 29.38%-27.4pp |
| Employer contribution / active EE | $1,624 | $1,615+0.6% | $4,076-60.1% | $2,177-25.4% |
| Participant deferral / active EE | $2,564 | $3,526-27.3% | $5,525-53.6% | $3,514-27.0% |
| Admin fee / account holder | $349 | $531-34.3% | $8,593-95.9% | $847-58.8% |