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| Provider | Service type | Compensation |
|---|---|---|
BMO HARRIS BANK NA1+ years Service code 15 · EIN 36-2085229 | Recordkeeping | $36,681 |
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $12,930 |
Counterparties on defaulted loans (Part 1), defaulted leases (Part 2), and non-exempt prohibited transactions (Part 3). Presence of any row warrants fiduciary review.
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $48,736 | $72,770-33.0% | $67,652-28.0% | $55,191-11.7% |
| Participation rate | 65.1% | 78.8%-13.7pp | 75.7%-10.6pp | 69.2%-4.1pp |
| Annual return | -1.47% | -3.26%+1.8pp | 6625.40%-6626.9pp | 10.78%-12.2pp |
| Employer contribution / active EE | $864 | $1,769-51.1% | $2,266-61.9% | $1,899-54.5% |
| Participant deferral / active EE | $2,440 | $3,408-28.4% | $3,560-31.4% | $3,046-19.9% |
| Admin fee / account holder | $150 | $79+90.8% | $4,821-96.9% | $91+65.6% |