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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $50,643 |
BMO HARRIS BANK NA3 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.)
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 | $96,409 | $42,548+126.6% | $74,551+29.3% | $56,289+71.3% |
| Participation rate | 56.4% | 60.5%-4.0pp | 69.1%-12.7pp | 69.9%-13.4pp |
| Annual return | -4.73% | 12.40%-17.1pp | 32.53%-37.3pp | -9.96%+5.2pp |
| Employer contribution / active EE | $701 | $855-18.1% | $1,961-64.3% | $2,111-66.8% |
| Participant deferral / active EE | $2,858 | $2,277+25.5% | $3,108-8.0% | $3,350-14.7% |
| Admin fee / account holder | $315 | $467-32.7% | $5,059-93.8% | $521-39.6% |