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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $43,412 |
HAYS COMPANIES10+ years Service code 28 80 SOUTH EIGHTH STREET · MINNEAPOLIS, MN 55402 | Investment Management | $30,000 |
EISNERAMPER LLP2 years Service code 10 · EIN 87-1363769 | Accounting | $14,280 |
MATRIX TRUST COMPANY4 years Service code 19 · EIN 75-3182674 | Securities Custodian | $0 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,370 | $78,607+31.5% | $105,624-2.1% | $74,478+38.8% |
| Participation rate | 51.9% | 72.8%-20.9pp | 75.3%-23.4pp | 67.2%-15.3pp |
| Annual return | 10.43% | 15.96%-5.5pp | 116.20%-105.8pp | 1370.56%-1360.1pp |
| Employer contribution / active EE | $720 | $2,523-71.5% | $3,168-77.3% | $2,626-72.6% |
| Participant deferral / active EE | $1,992 | $4,325-53.9% | $5,013-60.3% | $4,350-54.2% |
| Admin fee / account holder | $609 | $2,220-72.6% | $10,961-94.4% | $1,946-68.7% |