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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 26-0141151 | Advisory (Participants) | $123,955 |
Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $80,911 |
ACTUARIES UNLIMITED, INC.3 years Service code 11 · EIN 95-3654973 | Actuarial | $59,217 |
MATRIX TRUST COMPANY3 years 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 | $102,219 | $95,417+7.1% | $135,974-24.8% | $74,460+37.3% |
| Participation rate | 96.4% | 78.2%+18.2pp | 81.9%+14.5pp | 70.7%+25.7pp |
| Annual return | 15.33% | 32.76%-17.4pp | 68.30%-53.0pp | 34.38%-19.0pp |
| Employer contribution / active EE | $2,230 | $3,878-42.5% | $4,859-54.1% | $2,638-15.5% |
| Participant deferral / active EE | $8,927 | $7,789+14.6% | $7,760+15.0% | $4,530+97.1% |
| Admin fee / account holder | $314 | $266+17.9% | $10,767-97.1% | $348-9.8% |