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| Provider | Service type | Compensation |
|---|---|---|
REAMS ASSET MANAGEMENT7+ years Filed as: UMB BANK NA Service code 27 · EIN 44-0201230 | Advisory (Plan) | $34,863 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $33,408 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,427 | $72,639+20.4% | $90,766-3.7% | $66,949+30.6% |
| Participation rate | 100.0% | 73.7%+26.3pp | 75.7%+24.3pp | 69.8%+30.2pp |
| Annual return | -5.83% | -12.28%+6.4pp | -12.16%+6.3pp | 1.57%-7.4pp |
| Employer contribution / active EE | $6,341 | $2,369+167.6% | $2,922+117.0% | $2,545+149.1% |
| Participant deferral / active EE | $420 | $3,979-89.4% | $4,565-90.8% | $4,239-90.1% |
| Admin fee / account holder | $481 | $708-32.0% | $8,446-94.3% | $594-19.0% |