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| Provider | Service type | Compensation |
|---|---|---|
BMO HARRIS BANK NA1+ years Service code 15 · EIN 36-2085229 | Recordkeeping | $29,807 |
Filed as: FINANCIAL NETWORK INS SERVICES, INC Service code 27 25500 HAWTHORNE BLVD, SUITE 1140 · TORRANCE, CA 90505 | Advisory (Plan) | $14,562 |
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $14,523 |
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 | $90,956 | $54,320+67.4% | $67,652+34.4% | $52,331+73.8% |
| Participation rate | 95.5% | 73.6%+21.9pp | 75.7%+19.8pp | 68.1%+27.3pp |
| Annual return | -0.56% | 6.81%-7.4pp | 6625.40%-6626.0pp | 4.54%-5.1pp |
| Employer contribution / active EE | $1,257 | $1,544-18.6% | $2,266-44.5% | $1,882-33.2% |
| Participant deferral / active EE | $4,151 | $2,950+40.7% | $3,560+16.6% | $3,022+37.4% |
| Admin fee / account holder | $493 | $527-6.3% | $4,821-89.8% | $592-16.6% |