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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $53,754 |
HAYS COMPANIES6+ years Service code 28 80 SOUTH EIGHTH STREET · MINNEAPOLIS, MN 55402 | Investment Management | $24,756 |
LURIE, LLP3 years Filed as: LURIE,LLP Service code 10 · EIN 41-0721734 | Accounting | $8,320 |
BMO HARRIS BANK NA5 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.
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.)
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 | $129,654 | $70,917+82.8% | $98,920+31.1% | $73,493+76.4% |
| Participation rate | 47.6% | 73.8%-26.2pp | 76.0%-28.5pp | 70.7%-23.1pp |
| Annual return | 12.20% | 34.18%-22.0pp | 196.47%-184.3pp | 28.51%-16.3pp |
| Employer contribution / active EE | $90 | $2,037-95.6% | $2,689-96.6% | $2,270-96.0% |
| Participant deferral / active EE | $1,730 | $3,501-50.6% | $4,245-59.2% | $3,740-53.7% |
| Admin fee / account holder | $603 | $535+12.7% | $6,643-90.9% | $513+17.5% |