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| Provider | Service type | Compensation |
|---|---|---|
DUBUQUE BANK & TRUST COMPANY10+ years Filed as: DUBUQUE BANK & TRUST Service code 26 1398 CENTRAL AVENUE, PO BOX 941 · DUBUQUE, IA 520040747 | Advisory (Participants) | $30,744 |
JULY BUSINESS SERVICES2 years Filed as: JULY BUSINESS SERVICES LLC Service code 13 · EIN 74-2715820 P.O. BOX 2208 · WACO, TX 76703 | Contract Administrator | $15,704 |
Filed as: GALLAGHER BENEFIT SERVICES, INC. Service code 27 · EIN 36-4291971 | Advisory (Plan) | $4,621 |
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.)
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 | $104,130 | $55,472+87.7% | $155,567-33.1% | $74,546+39.7% |
| Participation rate | 52.1% | 61.9%-9.8pp | 78.2%-26.0pp | 67.2%-15.1pp |
| Annual return | 20.48% | 268.72%-248.2pp | 64.74%-44.3pp | 1366.03%-1345.6pp |
| Employer contribution / active EE | $911 | $2,269-59.9% | $4,674-80.5% | $2,624-65.3% |
| Participant deferral / active EE | $3,114 | $2,838+9.7% | $5,628-44.7% | $4,347-28.4% |
| Admin fee / account holder | $426 | $1,743-75.6% | $15,916-97.3% | $1,944-78.1% |