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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY7+ years Service code 15 · EIN 42-0223620 | Recordkeeping | $59,675 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,813 | $59,105+13.0% | $160,009-58.2% | $66,938-0.2% |
| Participation rate | 60.5% | 68.1%-7.6pp | 78.0%-17.5pp | 69.8%-9.3pp |
| Annual return | -7.96% | -12.26%+4.3pp | 408.85%-416.8pp | 1.58%-9.5pp |
| Employer contribution / active EE | $1,634 | $1,983-17.6% | $4,225-61.3% | $2,545-35.8% |
| Participant deferral / active EE | $2,380 | $4,395-45.8% | $6,183-61.5% | $4,238-43.8% |
| Admin fee / account holder | $406 | $591-31.3% | $8,715-95.3% | $594-31.6% |