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| Provider | Service type | Compensation |
|---|---|---|
HEARTLAND TRUST COMPANY2 years Service code 21 · EIN 45-0414941 1202 27TH ST S A · FARGO, ND 58103 | Bank Trustee | $20,684 |
Filed as: CHARLES SCHWAB & CO. INC. Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 | Securities Custodian | $0 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,449 | $95,416-26.2% | $185,823-62.1% | $85,850-17.9% |
| Participation rate | 53.6% | 68.8%-15.2pp | 81.7%-28.1pp | 69.3%-15.7pp |
| Annual return | 15.75% | 23.59%-7.8pp | 122.05%-106.3pp | 318.53%-302.8pp |
| Employer contribution / active EE | $1,802 | $3,314-45.6% | $5,167-65.1% | $2,565-29.8% |
| Participant deferral / active EE | $2,542 | $3,423-25.7% | $5,568-54.3% | $3,952-35.7% |
| Admin fee / account holder | $313 | $7,213-95.7% | $16,237-98.1% | $6,260-95.0% |