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| Provider | Service type | Compensation |
|---|---|---|
RENAISSANCE1 year Filed as: RENAISSANCE FINANCIAL Service code 26 5700 OAKLAND AVE., STE 400 · ST. LOUIS, MO 63110 | Advisory (Participants) | $22,656 |
ALERUS FINANCIAL, N.A.1 year Service code 63 · EIN 45-6062081 | 12b-1 Fees | $1,657 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,199 | $65,083-53.6% | $143,788-79.0% | $66,930-54.9% |
| Participation rate | 34.2% | 65.2%-31.0pp | 80.3%-46.1pp | 69.8%-35.6pp |
| Annual return | -14.08% | -11.13%-2.9pp | -0.03%-14.0pp | 1.57%-15.7pp |
| Employer contribution / active EE | $260 | $2,361-89.0% | $4,952-94.7% | $2,545-89.8% |
| Participant deferral / active EE | $957 | $2,920-67.2% | $5,638-83.0% | $4,238-77.4% |
| Admin fee / account holder | $241 | $502-52.1% | $14,675-98.4% | $593-59.4% |