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| Provider | Service type | Compensation |
|---|---|---|
BAM ADVISOR SERVICES2 years Service code 26 · EIN 20-8307105 | Advisory (Participants) | $66,153 |
ALERUS FINANCIAL, N.A.2 years Service code 15 · EIN 45-6062081 | Recordkeeping | $10,225 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB BANK Service code 19 · EIN 92-3967259 | Securities Custodian | $2,787 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $137,185 | $101,317+35.4% | $146,958-6.6% | $74,495+84.2% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.2%+17.8pp | 67.2%+32.8pp |
| Annual return | 10.90% | 8730.91%-8720.0pp | 418.34%-407.4pp | 1364.94%-1354.0pp |
| Employer contribution / active EE | $3,228 | $3,810-15.3% | $4,933-34.6% | $2,623+23.0% |
| Participant deferral / active EE | $9,484 | $7,303+29.9% | $8,070+17.5% | $4,346+118.2% |
| Admin fee / account holder | $532 | $1,739-69.4% | $12,998-95.9% | $1,942-72.6% |