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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $247,915 |
UBS FINANCIAL SERVICES INC5+ years Filed as: UBS FINANCIAL SERVICES Service code 26 · EIN 13-2638166 | Advisory (Participants) | $112,080 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $108,147 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING, LLC Service code 16 · EIN 43-1270780 | Consulting | $87,421 |
Service code 16 · EIN 20-8874282 | Consulting | $84,239 |
BRAGG FINANCIAL ADVISORS5+ years Service code 26 1031 SOUTH CALDWELL ST, #200 · CHARLOTTE, NC 28203 | Advisory (Participants) | $50,756 |
SUNTRUST BANKS, INC.5+ years Filed as: SUNTRUST ADVISORY SERVICES, INC. Service code 26 4777 SHARON ROAD, 2ND FLOOR · CHARLOTTE, NC 28210 | Advisory (Participants) | $37,322 |
MORGAN STANLEY SMITH BARNEY5+ years Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 26 · EIN 26-4310632 | Advisory (Participants) | $29,868 |
THE WADSWORTH GROUP5+ years Service code 26 122-A ST. ALBANS LANE · DAVIDSON, NC 28036 | Advisory (Participants) | $21,420 |
BAM ADVISOR SERVICES1 year Service code 26 · EIN 20-8306720 | Advisory (Participants) | $14,152 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $174,074 | $45,000+286.8% | $143,801+21.1% | $77,906+123.4% |
| Participation rate | 78.8% | 66.8%+12.0pp | 80.3%-1.5pp | 73.7%+5.1pp |
| Annual return | -1.09% | 29.03%-30.1pp | -0.04%-1.1pp | 12.16%-13.2pp |
| Employer contribution / active EE | $7,918 | $1,870+323.5% | $4,952+59.9% | $2,846+178.2% |
| Participant deferral / active EE | $5,500 | $3,157+74.2% | $5,639-2.5% | $4,805+14.5% |
| Admin fee / account holder | $402 | $98+308.0% | $14,680-97.3% | $133+202.9% |