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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 26-0141151 | Advisory (Participants) | $144,039 |
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $79,751 |
MILLER KAPLAN ARASE LLP1 year Service code 10 · EIN 95-2036255 | Accounting | $12,875 |
Service code 11 · EIN 95-3654973 | Actuarial | $1,750 |
BMO HARRIS BANK NA1 year Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
MATRIX TRUST COMPANY1 year Service code 19 · EIN 75-3182674 | Securities Custodian | $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 | $112,472 | $104,336+7.8% | $159,474-29.5% | $86,821+29.5% |
| Participation rate | 97.2% | 77.7%+19.5pp | 82.8%+14.3pp | 72.3%+24.9pp |
| Annual return | 13.82% | 26.32%-12.5pp | 263.68%-249.9pp | 97.94%-84.1pp |
| Employer contribution / active EE | $0 | $3,451-100.0% | $4,831-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $7,402 | $6,837+8.3% | $7,353+0.7% | $4,132+79.2% |
| Admin fee / account holder | $370 | $172+114.7% | $10,802-96.6% | $170+118.0% |