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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC3 years Filed as: UBS FINANCIAL SERVICES Service code 27 325 NORTH OLD WOODWARD AVE · BIRMINGHAM, MA 48009 | Advisory (Plan) | $44,274 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $27,262 |
MATRIX TRUST COMPANY2 years Service code 19 · EIN 75-3182674 | Securities Custodian | $0 |
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 | $75,181 | $45,602+64.9% | $117,498-36.0% | $66,930+12.3% |
| Participation rate | 81.2% | 57.6%+23.5pp | 70.6%+10.6pp | 69.8%+11.4pp |
| Annual return | -14.48% | -16.74%+2.3pp | 29.75%-44.2pp | 1.57%-16.1pp |
| Employer contribution / active EE | $7,406 | $1,579+369.1% | $4,178+77.3% | $2,545+191.0% |
| Participant deferral / active EE | $6,585 | $2,845+131.5% | $4,071+61.7% | $4,238+55.4% |
| Admin fee / account holder | $395 | $661-40.2% | $5,646-93.0% | $593-33.4% |