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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $54,089 |
HAYS COMPANIES2+ years Service code 28 80 SOUTH EIGHTH STREET · MINNEAPOLIS, MN 55402 | Investment Management | $24,475 |
LURIE, LLP2+ years Filed as: LURIE BESIKOF LAPIDUS & COMPANY,LLP Service code 10 · EIN 41-0721734 | Accounting | $7,732 |
BMO HARRIS BANK NA1 year Filed as: BMO HARRIS BANK, NA Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
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.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,983 | $74,024+13.5% | $78,002+7.7% | $57,658+45.7% |
| Participation rate | 54.7% | 79.7%-25.0pp | 75.5%-20.8pp | 70.2%-15.5pp |
| Annual return | 6.16% | 12.14%-6.0pp | 425.99%-419.8pp | 5.13%+1.0pp |
| Employer contribution / active EE | $2 | $2,365-99.9% | $2,470-99.9% | $1,974-99.9% |
| Participant deferral / active EE | $1,713 | $3,533-51.5% | $3,497-51.0% | $3,061-44.0% |
| Admin fee / account holder | $454 | $93+387.3% | $5,481-91.7% | $95+380.5% |