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| Provider | Service type | Compensation |
|---|---|---|
HERITAGE PENSION ADVISORS, LLC5+ years Filed as: HERITAGE INSTITUTIONAL Service code 27 · EIN 27-2388726 | Advisory (Plan) | $43,369 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $43,018 |
BMO HARRIS BANK NA3 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 | $119,904 | $98,982+21.1% | $162,185-26.1% | $65,186+83.9% |
| Participation rate | 99.2% | 85.8%+13.5pp | 87.6%+11.7pp | 70.2%+29.0pp |
| Annual return | 20.00% | 24.84%-4.8pp | 115.61%-95.6pp | 29.39%-9.4pp |
| Employer contribution / active EE | $4,819 | $3,467+39.0% | $5,613-14.1% | $2,177+121.4% |
| Participant deferral / active EE | $5,509 | $5,384+2.3% | $7,297-24.5% | $3,514+56.8% |
| Admin fee / account holder | $533 | $596-10.6% | $10,844-95.1% | $847-37.0% |