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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $37,651 |
FROST BANK6+ years Filed as: FROST NATIONAL BANK Service code 21 · EIN 74-6036463 | Bank Trustee | $31,237 |
BMO HARRIS BANK NA5 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $207,727 | $98,776+110.3% | $149,745+38.7% | $79,856+160.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 10.88% | 27.38%-16.5pp | 276.72%-265.8pp | 31.71%-20.8pp |
| Employer contribution / active EE | $5,854 | $3,217+81.9% | $4,646+26.0% | $2,471+136.9% |
| Participant deferral / active EE | $7,237 | $5,681+27.4% | $6,843+5.8% | $3,741+93.5% |
| Admin fee / account holder | $569 | $6,053-90.6% | $9,312-93.9% | $5,306-89.3% |