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| Provider | Service type | Compensation |
|---|---|---|
HERITAGE PENSION ADVISORS, LLC6+ years Filed as: HERITAGE INSTITUTIONAL Service code 27 · EIN 27-2388726 | Advisory (Plan) | $46,159 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $42,367 |
BMO HARRIS BANK NA4 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 | $136,989 | $136,307+0.5% | $177,848-23.0% | $73,497+86.4% |
| Participation rate | 97.7% | 86.1%+11.6pp | 87.7%+10.0pp | 70.7%+27.0pp |
| Annual return | 13.88% | 18.68%-4.8pp | 48.33%-34.4pp | 28.51%-14.6pp |
| Employer contribution / active EE | $4,746 | $3,712+27.8% | $5,919-19.8% | $2,270+109.1% |
| Participant deferral / active EE | $5,796 | $5,829-0.6% | $7,714-24.9% | $3,740+55.0% |
| Admin fee / account holder | $565 | $596-5.1% | $12,431-95.5% | $513+10.1% |