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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $66,144 |
FROST BANK5+ years Filed as: FROST NATIONAL BANK Service code 21 · EIN 74-6036463 | Bank Trustee | $25,076 |
BMO HARRIS BANK NA4 years Filed as: BMO HARRIS BANK, NA 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $182,473 | $89,370+104.2% | $141,197+29.2% | $72,976+150.0% |
| Participation rate | 97.5% | 75.1%+22.4pp | 82.5%+15.1pp | 69.5%+28.0pp |
| Annual return | 17.21% | 111.88%-94.7pp | 71.41%-54.2pp | 81.02%-63.8pp |
| Employer contribution / active EE | $5,161 | $3,115+65.7% | $4,736+9.0% | $2,440+111.5% |
| Participant deferral / active EE | $5,345 | $5,419-1.4% | $6,710-20.3% | $3,608+48.2% |
| Admin fee / account holder | $546 | $5,957-90.8% | $10,265-94.7% | $5,124-89.3% |