Filed January 23, 1994
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: OHNWARD FINANCIAL ADVISOR SERVICES Service code 64 203 N MAIN ST · MAQUOKETA, IA 52060 | Recordkeeping Fees | $27,173 |
JULY BUSINESS SERVICES2 years Filed as: JULY BUSINESS SERVICES LLC Service code 13 · EIN 74-2715820 P.O. BOX 2208 · WACO, TX 76703 | Contract Administrator | $25,785 |
Filed as: HTLF RETIREMENT PLAN SERVICES Service code 15 1398 CENTRAL AVENUE · DUBUQUE, IA 52004 | Recordkeeping | $11,508 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $53,593 | $55,458-3.4% | $76,030-29.5% | $77,762-31.1% |
| Participation rate | 22.8% | 63.6%-40.8pp | 69.1%-46.2pp | 70.6%-47.8pp |
| Annual return | 10.12% | 17.10%-7.0pp | 361.54%-351.4pp | 31.27%-21.2pp |
| Employer contribution / active EE | $438 | $1,792-75.6% | $2,688-83.7% | $2,728-84.0% |
| Participant deferral / active EE | $1,256 | $3,454-63.6% | $4,257-70.5% | $4,651-73.0% |
| Admin fee / account holder | $517 | $411+25.9% | $6,421-91.9% | $433+19.5% |