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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $38,015 |
SIKICH LLP3 years Service code 10 · EIN 36-3168081 | Accounting | $8,259 |
MATRIX TRUST COMPANY2 years 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.)
Annual investment return 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 | $81,156 | $102,661-20.9% | $151,639-46.5% | $66,938+21.2% |
| Participation rate | 44.2% | 85.5%-41.3pp | 87.5%-43.3pp | 69.8%-25.6pp |
| Annual return | -21.68% | -10.81%-10.9pp | 3.34%-25.0pp | 1.58%-23.3pp |
| Employer contribution / active EE | $0 | $4,184-100.0% | $6,165-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,994 | $6,645-24.8% | $8,363-40.3% | $4,238+17.8% |
| Admin fee / account holder | $417 | $630-33.9% | $11,613-96.4% | $594-29.8% |