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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIRST INTERSTATE BANK Service code 21 · EIN 81-6023169 | Bank Trustee | $22,490 |
BOYUM & BARENSCHEER PLLP10+ years Filed as: BOYUM & BARENSHEER PLLP Service code 10 · EIN 41-6192096 | Accounting | $13,487 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $25,372 | $73,532-65.5% | $178,540-85.8% | $74,459-65.9% |
| Participation rate | 51.4% | 66.6%-15.2pp | 77.1%-25.7pp | 67.2%-15.8pp |
| Annual return | 14.82% | 17.51%-2.7pp | 27.15%-12.3pp | 1369.70%-1354.9pp |
| Employer contribution / active EE | $630 | $2,221-71.7% | $3,953-84.1% | $2,626-76.0% |
| Participant deferral / active EE | $805 | $4,519-82.2% | $6,281-87.2% | $4,350-81.5% |
| Admin fee / account holder | $518 | $1,813-71.4% | $10,424-95.0% | $1,945-73.4% |