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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $18,830 |
BMO HARRIS BANK NA3 years Filed as: BMO HARRIS BANK, NA Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
MATRIX TRUST COMPANY1 year Service code 19 · EIN 75-3182674 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $81,370 | $77,670+4.8% | $109,163-25.5% | $79,393+2.5% |
| Participation rate | 61.9% | 67.8%-5.9pp | 75.9%-14.0pp | 70.7%-8.8pp |
| Annual return | 13.51% | 23.44%-9.9pp | 25.75%-12.2pp | 116.87%-103.4pp |
| Employer contribution / active EE | $457 | $2,798-83.7% | $3,723-87.7% | $2,428-81.2% |
| Participant deferral / active EE | $2,655 | $3,518-24.5% | $4,654-43.0% | $4,046-34.4% |
| Admin fee / account holder | $198 | $732-72.9% | $6,754-97.1% | $627-68.4% |