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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $85,951 |
BMO HARRIS BANK NA6+ years Filed as: BMO HARRIS BANK, NA Service code 19 · EIN 36-2085529 | Securities Custodian | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $227,475 | $73,638+208.9% | $95,964+137.0% | $73,497+209.5% |
| Participation rate | 93.8% | 76.2%+17.6pp | 77.1%+16.7pp | 70.7%+23.1pp |
| Annual return | 16.02% | 16.78%-0.8pp | 91.64%-75.6pp | 28.51%-12.5pp |
| Employer contribution / active EE | $5,231 | $1,863+180.8% | $2,541+105.8% | $2,270+130.4% |
| Participant deferral / active EE | $8,684 | $3,617+140.1% | $4,167+108.4% | $3,740+132.2% |
| Admin fee / account holder | $367 | $482-23.8% | $6,797-94.6% | $513-28.4% |