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| Provider | Service type | Compensation |
|---|---|---|
HERITAGE PENSION ADVISORS, LLC4+ years Filed as: HERITAGE INSTITUTIONAL Service code 27 · EIN 27-2388726 | Advisory (Plan) | $50,670 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $47,789 |
BMO HARRIS BANK NA2 years 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,582 | $79,523+21.5% | $140,019-31.0% | $56,289+71.6% |
| Participation rate | 97.2% | 85.7%+11.5pp | 87.5%+9.7pp | 69.9%+27.4pp |
| Annual return | -5.46% | 2.39%-7.8pp | 651.17%-656.6pp | -9.96%+4.5pp |
| Employer contribution / active EE | $4,342 | $3,350+29.6% | $5,605-22.5% | $2,111+105.7% |
| Participant deferral / active EE | $4,748 | $5,129-7.4% | $6,927-31.4% | $3,350+41.7% |
| Admin fee / account holder | $563 | $614-8.4% | $10,705-94.7% | $521+8.0% |