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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $212,269 |
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING, LLC Service code 27 · EIN 43-1270780 | Advisory (Plan) | $69,466 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $37,106 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $30,368 | $50,169-39.5% | $149,740-79.7% | $80,187-62.1% |
| Participation rate | 69.3% | 64.3%+5.0pp | 78.8%-9.5pp | 72.9%-3.6pp |
| Annual return | 33.14% | 29.82%+3.3pp | 134.51%-101.4pp | 40.40%-7.3pp |
| Employer contribution / active EE | $2,029 | $1,869+8.5% | $4,821-57.9% | $2,980-31.9% |
| Participant deferral / active EE | $2,356 | $3,194-26.2% | $5,683-58.5% | $5,016-53.0% |
| Admin fee / account holder | $148 | $153-3.2% | $13,222-98.9% | $145+1.9% |