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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 | $101,672+34.9% | $147,117-6.8% | $74,478+84.2% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.2%+17.8pp | 67.2%+32.8pp |
| Annual return | 10.90% | 8757.83%-8746.9pp | 420.54%-409.6pp | 1370.56%-1359.7pp |
| Employer contribution / active EE | $3,228 | $3,813-15.4% | $4,932-34.6% | $2,626+22.9% |
| Participant deferral / active EE | $9,484 | $7,305+29.8% | $8,065+17.6% | $4,350+118.0% |
| Admin fee / account holder | $532 | $1,753-69.7% | $12,993-95.9% | $1,946-72.7% |