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| Provider | Service type | Compensation |
|---|---|---|
TITAN RETIREMENT ADVISORS, LLC4+ years Service code 26 · EIN 46-1287858 | Advisory (Participants) | $16,045 |
ALERUS FINANCIAL, N.A.2 years Service code 15 · EIN 45-6062081 | Recordkeeping | $12,993 |
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.)
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 | $46,047 | $59,186-22.2% | $76,768-40.0% | $56,287-18.2% |
| Participation rate | 44.6% | 75.2%-30.6pp | 77.0%-32.4pp | 69.9%-25.2pp |
| Annual return | -3.07% | 6.62%-9.7pp | 2.43%-5.5pp | -9.96%+6.9pp |
| Employer contribution / active EE | $1,029 | $1,759-41.5% | $2,485-58.6% | $2,111-51.3% |
| Participant deferral / active EE | $2,825 | $3,255-13.2% | $3,852-26.6% | $3,350-15.7% |
| Admin fee / account holder | $365 | $489-25.5% | $6,675-94.5% | $521-30.0% |