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| Provider | Service type | Compensation |
|---|---|---|
RBC WEALTH MANAGEMENT1+ years Service code 26 · EIN 41-1416330 | Advisory (Participants) | $25,053 |
WEALTH MANAGEMENT SYSTEMS INC1+ years Filed as: CB&T WEALTH MANAGEMENT Service code 26 · EIN 84-1207738 | Advisory (Participants) | $25,052 |
INTERACTIVE RETIREMENT SYSTEMS1+ years Service code 15 · EIN 41-1632187 | Recordkeeping | $6,594 |
ALERUS FINANCIAL, N.A.1+ years Service code 15 · EIN 45-6062081 | Recordkeeping | $3,783 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $69,399 | $50,464+37.5% | $75,784-8.4% | $52,331+32.6% |
| Participation rate | 52.3% | 66.8%-14.4pp | 75.8%-23.5pp | 68.1%-15.8pp |
| Annual return | -2.16% | 1.03%-3.2pp | 9.68%-11.8pp | 4.54%-6.7pp |
| Employer contribution / active EE | $735 | $1,988-63.1% | $3,323-77.9% | $1,882-61.0% |
| Participant deferral / active EE | $3,333 | $2,570+29.7% | $3,652-8.7% | $3,022+10.3% |
| Admin fee / account holder | $411 | $1,103-62.7% | $5,300-92.2% | $592-30.5% |