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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $44,312 |
HERITAGE PENSION ADVISORS, LLC9+ years Filed as: HERITAGE INSTITUTIONAL Service code 27 · EIN 27-2388726 | Advisory (Plan) | $24,456 |
MATRIX TRUST COMPANY3 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $158,836 | $130,294+21.9% | $170,057-6.6% | $71,529+122.1% |
| Participation rate | 98.5% | 86.2%+12.3pp | 87.0%+11.5pp | 67.9%+30.6pp |
| Annual return | 15.92% | 20.36%-4.4pp | 53.42%-37.5pp | 28.97%-13.0pp |
| Employer contribution / active EE | $5,649 | $4,385+28.8% | $6,790-16.8% | $2,590+118.1% |
| Participant deferral / active EE | $7,002 | $6,928+1.1% | $10,411-32.7% | $4,291+63.2% |
| Admin fee / account holder | $395 | $966-59.1% | $12,826-96.9% | $1,588-75.1% |