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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $41,545 |
BMO HARRIS BANK NA3+ years Filed as: BMO HARRIS BANK, N.A. Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
BMO HARRIS BANK NA3+ years Filed as: BMO HARRIS BANK, NA Service code 19 | Securities Custodian | $0 |
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 | $105,010 | $58,093+80.8% | $80,022+31.2% | $56,289+86.6% |
| Participation rate | 88.9% | 73.6%+15.3pp | 75.8%+13.1pp | 69.9%+19.0pp |
| Annual return | 1.86% | 34.63%-32.8pp | 11.22%-9.4pp | -9.96%+11.8pp |
| Employer contribution / active EE | $1,238 | $1,933-35.9% | $2,468-49.8% | $2,111-41.4% |
| Participant deferral / active EE | $4,786 | $3,136+52.6% | $3,686+29.8% | $3,350+42.9% |
| Admin fee / account holder | $330 | $623-47.0% | $6,521-94.9% | $521-36.7% |