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| Provider | Service type | Compensation |
|---|---|---|
BMO HARRIS BANK NA1+ years Filed as: BMO HARRIS BANK, NA Service code 15 · EIN 36-2085229 | Recordkeeping | $14,436 |
Filed as: COBIZ INVESTMENT MANAGEMENT Service code 28 1099 18TH ST #3000 · DENVER, CO 80202 | Investment Management | $12,068 |
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $4,884 |
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $153,019 | $72,177+112.0% | $115,038+33.0% | $59,633+156.6% |
| Participation rate | 83.7% | 72.6%+11.2pp | 81.4%+2.4pp | 68.7%+15.1pp |
| Annual return | 1.23% | 12.02%-10.8pp | 26.14%-24.9pp | 2041.45%-2040.2pp |
| Employer contribution / active EE | $7,312 | $2,841+157.4% | $4,608+58.7% | $2,203+232.0% |
| Participant deferral / active EE | $8,102 | $4,783+69.4% | $6,026+34.4% | $3,192+153.8% |
| Admin fee / account holder | $315 | $4,927-93.6% | $8,175-96.2% | $4,297-92.7% |