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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $49,045 |
AMERICAN FUNDS9+ years Filed as: ADVANCED CAPITAL GROUP Service code 28 50 SOUTH SIXTH STREET · MINNEAPOLIS, MN 55402 | Investment Management | $40,000 |
MATRIX TRUST COMPANY3 years Service code 19 · EIN 75-3182674 | 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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $330,737 | $91,439+261.7% | $135,974+143.2% | $71,511+362.5% |
| Participation rate | 99.0% | 75.7%+23.4pp | 81.9%+17.1pp | 67.9%+31.1pp |
| Annual return | 15.80% | 29.90%-14.1pp | 68.30%-52.5pp | 28.86%-13.1pp |
| Employer contribution / active EE | $10,075 | $3,705+172.0% | $4,859+107.4% | $2,589+289.1% |
| Participant deferral / active EE | $13,876 | $7,093+95.6% | $7,760+78.8% | $4,291+223.4% |
| Admin fee / account holder | $590 | $1,267-53.4% | $10,767-94.5% | $1,588-62.9% |