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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $56,672 |
BMO HARRIS BANK NA2 years Filed as: BMO HARRIS BANK, NA Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $101,805 | $51,466+97.8% | $78,778+29.2% | $62,293+63.4% |
| Participation rate | 54.5% | 59.8%-5.3pp | 69.2%-14.7pp | 69.5%-15.0pp |
| Annual return | 17.36% | 19.96%-2.6pp | 35.62%-18.3pp | 28.90%-11.5pp |
| Employer contribution / active EE | $646 | $827-21.9% | $1,986-67.4% | $2,042-68.4% |
| Participant deferral / active EE | $2,730 | $2,147+27.1% | $2,958-7.7% | $3,169-13.9% |
| Admin fee / account holder | $354 | $489-27.6% | $5,134-93.1% | $479-26.1% |