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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $57,564 |
HAYS COMPANIES4+ years Service code 28 80 SOUTH EIGHTH STREET · MINNEAPOLIS, MN 55402 | Investment Management | $25,297 |
LURIE, LLP1 year Filed as: LURIE,LLP Service code 10 · EIN 41-0721734 | Accounting | $8,000 |
BMO HARRIS BANK NA3 years 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.
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 | $90,827 | $65,223+39.3% | $80,022+13.5% | $55,725+63.0% |
| Participation rate | 50.0% | 80.6%-30.6pp | 75.8%-25.8pp | 70.9%-20.9pp |
| Annual return | -6.41% | 7.59%-14.0pp | 11.22%-17.6pp | 244.93%-251.3pp |
| Employer contribution / active EE | $0 | $2,544-100.0% | $2,468-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $1,988 | $3,881-48.8% | $3,686-46.1% | $3,356-40.8% |
| Admin fee / account holder | $531 | $114+365.3% | $6,521-91.9% | $115+361.3% |