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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $46,091 |
RSM US LLP9 years Service code 10 · EIN 42-0714325 | Accounting | $42,000 |
Filed as: ONEAMERICA INVESTMENT ADVISORY SVCS Service code 16 · EIN 81-3920167 | Consulting | $5,569 |
MATRIX TRUST COMPANY5 years Service code 19 · EIN 75-3182674 | 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 | $94,790 | $89,093+6.4% | $102,434-7.5% | $77,736+21.9% |
| Participation rate | 69.9% | 80.9%-11.1pp | 76.5%-6.7pp | 70.6%-0.7pp |
| Annual return | 15.48% | 25.03%-9.6pp | 29.46%-14.0pp | 31.26%-15.8pp |
| Employer contribution / active EE | $672 | $2,699-75.1% | $3,023-77.8% | $2,728-75.4% |
| Participant deferral / active EE | $2,740 | $5,147-46.8% | $5,055-45.8% | $4,651-41.1% |
| Admin fee / account holder | $347 | $236+47.1% | $9,462-96.3% | $433-19.9% |