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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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $137,185 | $101,499+35.2% | $147,005-6.7% | $74,546+84.0% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.2%+17.8pp | 67.2%+32.8pp |
| Annual return | 10.90% | 8732.34%-8721.4pp | 418.76%-407.9pp | 1366.03%-1355.1pp |
| Employer contribution / active EE | $3,228 | $3,811-15.3% | $4,934-34.6% | $2,624+23.0% |
| Participant deferral / active EE | $9,484 | $7,304+29.8% | $8,070+17.5% | $4,347+118.2% |
| Admin fee / account holder | $532 | $1,748-69.6% | $13,006-95.9% | $1,944-72.6% |