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| Provider | Service type | Compensation |
|---|---|---|
BMO HARRIS BANK NA1+ years Service code 15 · EIN 36-2085229 | Recordkeeping | $5,751 |
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $1,936 |
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.
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 | $87,651 | $26,805+227.0% | $59,496+47.3% | $52,331+67.5% |
| Participation rate | 48.1% | 39.3%+8.7pp | 54.6%-6.5pp | 68.1%-20.0pp |
| Annual return | -1.47% | 2.61%-4.1pp | 182.05%-183.5pp | 4.54%-6.0pp |
| Employer contribution / active EE | $709 | $450+57.7% | $1,153-38.5% | $1,882-62.3% |
| Participant deferral / active EE | $1,116 | $916+21.7% | $1,829-39.0% | $3,022-63.1% |
| Admin fee / account holder | $110 | $305-64.0% | $2,232-95.1% | $592-81.4% |