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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $37,778 |
BMO HARRIS BANK NA5+ years Filed as: BMO HARRIS BANK, N.A. Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
BMO HARRIS BANK NA5+ 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $135,693 | $70,917+91.3% | $98,920+37.2% | $73,497+84.6% |
| Participation rate | 89.1% | 73.8%+15.3pp | 76.0%+13.1pp | 70.7%+18.4pp |
| Annual return | 9.24% | 34.18%-24.9pp | 196.47%-187.2pp | 28.51%-19.3pp |
| Employer contribution / active EE | $513 | $2,037-74.8% | $2,689-80.9% | $2,270-77.4% |
| Participant deferral / active EE | $4,766 | $3,501+36.1% | $4,245+12.3% | $3,740+27.4% |
| Admin fee / account holder | $340 | $535-36.4% | $6,643-94.9% | $513-33.7% |