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| Provider | Service type | Compensation |
|---|---|---|
BRAVERA WEALTH1 year Service code 15 · EIN 45-0436653 401 N. 4TH ST. · BISMARCK, ND 58501 | Recordkeeping | $31,819 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $39,594 | $61,172-35.3% | $185,851-78.7% | $79,389-50.1% |
| Participation rate | 72.0% | 66.6%+5.3pp | 81.7%-9.7pp | 70.7%+1.3pp |
| Annual return | 16.58% | 19.45%-2.9pp | 122.11%-105.5pp | 116.89%-100.3pp |
| Employer contribution / active EE | $2,468 | $2,321+6.4% | $5,168-52.2% | $2,428+1.7% |
| Participant deferral / active EE | $2,344 | $2,788-15.9% | $5,569-57.9% | $4,046-42.1% |
| Admin fee / account holder | $312 | $710-56.1% | $16,245-98.1% | $626-50.2% |