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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $228,733 |
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING, LLC Service code 16 · EIN 43-1270780 | Consulting | $158,207 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $111,168 |
UBS FINANCIAL SERVICES INC6+ years Filed as: UBS FINANCIAL SERVICES Service code 26 · EIN 13-2638166 | Advisory (Participants) | $104,375 |
BRAGG FINANCIAL ADVISORS6+ years Service code 26 1031 SOUTH CALDWELL ST, #200 · CHARLOTTE, NC 28203 | Advisory (Participants) | $52,122 |
MORGAN STANLEY SMITH BARNEY6+ years Filed as: MORGAN STANLEY WEALTH MANAGEMENT Service code 26 · EIN 26-4310632 | Advisory (Participants) | $38,503 |
SUNTRUST BANKS, INC.6+ years Filed as: SUNTRUST ADVISORY SERVICES, INC. Service code 26 4777 SHARON ROAD, 2ND FLOOR · CHARLOTTE, NC 28210 | Advisory (Participants) | $38,337 |
Filed as: NORTHWESTERN MUTUAL FINANCIAL Service code 26 P.O. BOX 717 · PRIOR LAKE, MN 55372 | Advisory (Participants) | $16,542 |
Filed as: CAROLINA CAPITAL CONSULTING Service code 27 · EIN 56-1879090 | Advisory (Plan) | $14,526 |
CANTOR FITZGERALD2 years Filed as: CANTOR FIZTGERALD INV ADV LP Service code 26 · EIN 27-3047790 | Advisory (Participants) | $12,336 |
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 | $198,084 | $50,169+294.8% | $149,740+32.3% | $80,187+147.0% |
| Participation rate | 79.4% | 64.3%+15.1pp | 78.8%+0.6pp | 72.9%+6.5pp |
| Annual return | 17.83% | 29.82%-12.0pp | 134.51%-116.7pp | 40.40%-22.6pp |
| Employer contribution / active EE | $8,468 | $1,869+353.0% | $4,821+75.6% | $2,980+184.2% |
| Participant deferral / active EE | $6,005 | $3,194+88.0% | $5,683+5.7% | $5,016+19.7% |
| Admin fee / account holder | $376 | $153+146.4% | $13,222-97.2% | $145+159.5% |