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| Provider | Service type | Compensation |
|---|---|---|
HERITAGE PENSION ADVISORS, LLC8+ years Filed as: HERITAGE INSTITUTIONAL Service code 27 · EIN 27-2388726 | Advisory (Plan) | $60,989 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $50,664 |
MATRIX TRUST COMPANY2 years Service code 19 · EIN 75-3182674 | Securities Custodian | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,879 | $102,661+29.4% | $151,645-12.4% | $66,949+98.5% |
| Participation rate | 96.3% | 85.5%+10.8pp | 87.5%+8.8pp | 69.8%+26.5pp |
| Annual return | -15.73% | -10.81%-4.9pp | 3.34%-19.1pp | 1.57%-17.3pp |
| Employer contribution / active EE | $5,416 | $4,184+29.4% | $6,165-12.1% | $2,545+112.8% |
| Participant deferral / active EE | $6,216 | $6,645-6.5% | $8,363-25.7% | $4,239+46.6% |
| Admin fee / account holder | $645 | $630+2.4% | $11,614-94.4% | $594+8.7% |