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| Provider | Service type | Compensation |
|---|---|---|
BMO HARRIS BANK NA1+ years Service code 15 · EIN 36-2085229 | Recordkeeping | $43,354 |
HAYS COMPANIES1+ years Service code 28 80 SOUTH EIGHTH STREET · MINNEAPOLIS, MN 55402 | Investment Management | $32,566 |
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $12,777 |
LURIE, LLP1+ years Filed as: LURIE BESIKOF LAPIDUS & COMPANY,LLP Service code 10 · EIN 41-0721734 | Accounting | $7,700 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $78,619 | $62,324+26.1% | $68,509+14.8% | $55,191+42.4% |
| Participation rate | 55.9% | 78.9%-23.0pp | 74.7%-18.9pp | 69.2%-13.3pp |
| Annual return | 0.99% | 4.26%-3.3pp | 8.27%-7.3pp | 10.78%-9.8pp |
| Employer contribution / active EE | $2 | $2,223-99.9% | $2,278-99.9% | $1,899-99.9% |
| Participant deferral / active EE | $1,647 | $3,425-51.9% | $3,382-51.3% | $3,046-45.9% |
| Admin fee / account holder | $463 | $91+407.2% | $5,275-91.2% | $91+410.5% |