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| Provider | Service type | Compensation |
|---|---|---|
BAM ADVISOR SERVICES4 years Filed as: BAM ADVISOR SERVICES, LLC Service code 27 · EIN 20-8307105 8182 MARYLAND AVENUE, SUITE 500 · ST. LOUIS, MO 63105 | Advisory (Plan) | $18,373 |
ALERUS FINANCIAL, N.A.4 years Filed as: ALERUS FINANCIAL NA Service code 19 · EIN 45-6062081 2300 S. COLUMBIA ROAD · GRAND FORKS, ND 58201 | Securities Custodian | $9,078 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,781 | $66,124-26.2% | $90,430-46.1% | $73,493-33.6% |
| Participation rate | 51.8% | 69.7%-17.9pp | 72.7%-20.9pp | 70.7%-18.9pp |
| Annual return | 5.41% | 17.65%-12.2pp | 1293.73%-1288.3pp | 28.51%-23.1pp |
| Employer contribution / active EE | $649 | $2,346-72.3% | $3,262-80.1% | $2,270-71.4% |
| Participant deferral / active EE | $1,449 | $3,039-52.3% | $3,963-63.4% | $3,740-61.3% |
| Admin fee / account holder | $316 | $396-20.4% | $5,613-94.4% | $513-38.5% |