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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $26,935 |
Filed as: COBIZ INVESTMENT MANAGEMENT Service code 28 1099 18TH ST #3000 · DENVER, CO 80202 | Investment Management | $13,263 |
BERNSTEIN1 year Filed as: BERNSTEIN GLOBAL WEALTH MANAGEMENT Service code 28 1225 17TH STREET, STE 2900 · DENVER, CO 80202 | Investment Management | $5,597 |
BMO HARRIS BANK NA3+ years Filed as: BMO HARRIS BANK, NA Service code 19 · EIN 36-2085229 | Securities Custodian | $0 |
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 | $195,870 | $80,753+142.6% | $136,298+43.7% | $62,293+214.4% |
| Participation rate | 93.1% | 73.5%+19.5pp | 81.9%+11.1pp | 69.5%+23.6pp |
| Annual return | 18.88% | 35.83%-17.0pp | 5156.27%-5137.4pp | 28.90%-10.0pp |
| Employer contribution / active EE | $3,845 | $2,884+33.3% | $4,696-18.1% | $2,042+88.3% |
| Participant deferral / active EE | $9,128 | $5,164+76.8% | $6,247+46.1% | $3,169+188.0% |
| Admin fee / account holder | $327 | $525-37.7% | $9,244-96.5% | $479-31.8% |