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| Provider | Service type | Compensation |
|---|---|---|
Filed as: IFP ADVISORS, INC. Service code 28 · EIN 59-3331424 | Investment Management | $37,210 |
SYMMETRY PARTNERS, LLC1 year Filed as: SYMMETRY PARTNERS Service code 28 · EIN 06-1482171 | Investment Management | $20,489 |
ALERUS FINANCIAL, N.A.4+ years Service code 15 · EIN 45-6062081 | Recordkeeping | $15,723 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $30,435 | $35,485-14.2% | $74,549-59.2% | $55,725-45.4% |
| Participation rate | 61.9% | 62.5%-0.6pp | 69.1%-7.2pp | 70.9%-9.0pp |
| Annual return | -10.13% | 0.72%-10.9pp | 32.53%-42.7pp | 244.93%-255.1pp |
| Employer contribution / active EE | $614 | $777-21.0% | $1,961-68.7% | $2,078-70.5% |
| Participant deferral / active EE | $2,389 | $2,181+9.5% | $3,108-23.1% | $3,356-28.8% |
| Admin fee / account holder | $363 | $114+217.9% | $5,059-92.8% | $115+215.6% |