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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $59,110 |
FIDUCIENT ADVISORS LLC1 year Service code 27 · EIN 36-4001764 | Advisory (Plan) | $28,180 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $15,726 |
BIP WEALTH LLC1 year Service code 26 · EIN 20-8540101 | Advisory (Participants) | $14,933 |
CERITY PARTNERS1 year Filed as: CERITY PARTNERS LLC Service code 26 · EIN 27-1180831 | Advisory (Participants) | $8,896 |
SIGNATUREFD LLC1 year Service code 26 · EIN 58-2323085 | Advisory (Participants) | $6,625 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 28 · EIN 11-3658445 | Investment Management | $3,162 |
Service code 33 · EIN 94-1737782 | Float revenue; Direct payment from th... | $595 |
Filed as: CHARLES SCHWAB & CO. INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
MATRIX TRUST COMPANY4 years Service code 19 · EIN 75-3182674 | Securities Custodian | $0 |
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 | $374,327 | $106,264+252.3% | $147,117+154.4% | $77,762+381.4% |
| Participation rate | 100.0% | 78.4%+21.6pp | 82.2%+17.8pp | 70.6%+29.4pp |
| Annual return | 13.38% | 56.94%-43.6pp | 420.54%-407.2pp | 31.27%-17.9pp |
| Employer contribution / active EE | $7,260 | $4,074+78.2% | $4,932+47.2% | $2,728+166.1% |
| Participant deferral / active EE | $16,912 | $8,003+111.3% | $8,065+109.7% | $4,651+263.6% |
| Admin fee / account holder | $156 | $334-53.4% | $12,993-98.8% | $433-64.0% |