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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $36,278 |
SIKICH LLP2 years Service code 10 · EIN 36-3168081 | Accounting | $7,819 |
BMO HARRIS BANK NA7+ years Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
MATRIX TRUST COMPANY1 year Filed as: MATRIX TRUST COMPANY N.A. Service code 19 · EIN 75-3182674 | 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $136,421 | $121,341+12.4% | $189,520-28.0% | $79,393+71.8% |
| Participation rate | 44.0% | 86.1%-42.1pp | 87.8%-43.8pp | 70.7%-26.8pp |
| Annual return | 17.31% | 21.08%-3.8pp | 555.25%-537.9pp | 116.87%-99.6pp |
| Employer contribution / active EE | $0 | $3,915-100.0% | $6,161-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $4,665 | $6,395-27.1% | $8,220-43.3% | $4,046+15.3% |
| Admin fee / account holder | $437 | $651-33.0% | $12,046-96.4% | $627-30.3% |