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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $27,975 |
M.E. ALLISON & CO., INC.1 year Service code 26 · EIN 74-1037681 | Advisory (Participants) | $18,349 |
FROST BANK1 year Service code 26 · EIN 74-6036463 | Advisory (Participants) | $11,585 |
MATRIX TRUST COMPANY3 years Service code 19 · EIN 75-3182674 | Securities Custodian | $0 |
MATRIX TRUST COMPANY2 years Filed as: MSCS FIN SERVICES DIV OF BROADRIDGE Service code 59 · EIN 33-1151291 | Shareholder Servicing | $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 | $155,564 | $93,617+66.2% | $135,982+14.4% | $75,177+106.9% |
| Participation rate | 96.3% | 75.2%+21.1pp | 81.9%+14.4pp | 67.2%+29.1pp |
| Annual return | 14.10% | 30.89%-16.8pp | 68.32%-54.2pp | 160.75%-146.7pp |
| Employer contribution / active EE | $7,024 | $3,538+98.5% | $4,859+44.6% | $2,671+163.0% |
| Participant deferral / active EE | $5,013 | $6,406-21.7% | $7,760-35.4% | $4,126+21.5% |
| Admin fee / account holder | $435 | $6,980-93.8% | $10,767-96.0% | $5,651-92.3% |