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| Provider | Service type | Compensation |
|---|---|---|
HERITAGE PENSION ADVISORS, LLC3+ years Filed as: HERITAGE INSTITUTIONAL Service code 27 2800 COUNTRY CLUB DR, STE A · OKLAHOMA, OK 73116 | Advisory (Plan) | $61,820 |
MCCREADY & KEENE INC.3+ years Service code 15 · EIN 35-0500670 | Recordkeeping | $28,192 |
MATRIX TRUST COMPANY3+ years Filed as: MG TRUST CO. DBA MATRIX TRUST CO. Service code 18 · EIN 75-3182674 | Sub-transfer agency fees; Trustee (di... | $8,935 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $7,035 |
BMO HARRIS BANK NA1 year Filed as: BMO HARRIS BANK, N.A. Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $119,839 | $89,739+33.5% | $149,721-20.0% | $62,293+92.4% |
| Participation rate | 96.6% | 85.1%+11.5pp | 87.1%+9.5pp | 69.5%+27.1pp |
| Annual return | 14.86% | 21.01%-6.1pp | 1501.67%-1486.8pp | 28.90%-14.0pp |
| Employer contribution / active EE | $3,783 | $3,233+17.0% | $5,444-30.5% | $2,042+85.2% |
| Participant deferral / active EE | $4,251 | $4,797-11.4% | $6,568-35.3% | $3,169+34.1% |
| Admin fee / account holder | $599 | $551+8.6% | $11,282-94.7% | $479+24.9% |