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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $23,301 |
FREYBERG HINKLE ET AL2+ years Filed as: FREYBERG, HINKLE, ASHLAND, POWERS & Service code 10 · EIN 39-1531945 | Accounting | $6,970 |
BMO HARRIS BANK NA2+ years Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $87,538 | $74,089+18.2% | $133,975-34.7% | $55,167+58.7% |
| Participation rate | 30.9% | 84.3%-53.4pp | 87.1%-56.2pp | 69.0%-38.1pp |
| Annual return | 9.32% | 12.11%-2.8pp | 29.29%-20.0pp | 169.23%-159.9pp |
| Employer contribution / active EE | $0 | $3,064-100.0% | $5,211-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,220 | $4,678-52.5% | $6,282-64.7% | $3,054-27.3% |
| Admin fee / account holder | $393 | $458-14.2% | $9,324-95.8% | $504-22.0% |