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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES Service code 15 · EIN 46-5378846 | Recordkeeping | $40,526 |
NORTHSTAR FIDUCIARY PARTNERS6+ years Filed as: NORTHSTAR ASSET MANAGEMENT Service code 28 · EIN 39-1849892 | Investment Management | $34,304 |
BMO HARRIS BANK NA4 years Filed as: BMO HARRIS BANK, NA Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $78,542 | $69,383+13.2% | $101,275-22.4% | $73,497+6.9% |
| Participation rate | 100.0% | 68.4%+31.6pp | 75.8%+24.2pp | 70.7%+29.3pp |
| Annual return | 13.39% | 18.46%-5.1pp | 46.48%-33.1pp | 28.51%-15.1pp |
| Employer contribution / active EE | $1,966 | $2,628-25.2% | $3,660-46.3% | $2,270-13.4% |
| Participant deferral / active EE | $2,878 | $3,301-12.8% | $4,371-34.1% | $3,740-23.0% |
| Admin fee / account holder | $353 | $704-49.8% | $5,948-94.1% | $513-31.2% |