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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $83,975 |
FROST BANK5 years Service code 21 · EIN 74-0635455 | Bank Trustee | $33,253 |
BMO HARRIS BANK NA6+ years Filed as: BMO HARRIS BANK, N.A. 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,480 | $79,519-22.7% | $95,964-35.9% | $73,412-16.3% |
| Participation rate | 86.1% | 81.2%+4.9pp | 77.1%+9.0pp | 72.2%+13.9pp |
| Annual return | 14.30% | 19.20%-4.9pp | 91.64%-77.3pp | 59.30%-45.0pp |
| Employer contribution / active EE | $2,407 | $2,048+17.5% | $2,541-5.3% | $2,234+7.7% |
| Participant deferral / active EE | $3,704 | $4,138-10.5% | $4,167-11.1% | $3,806-2.7% |
| Admin fee / account holder | $391 | $184+112.0% | $6,797-94.3% | $158+147.5% |