| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES, LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $34,457 |
BMO HARRIS BANK NA1+ years Filed as: BMO HARRIS BANK, N.A. Service code 15 · EIN 36-2085229 | Recordkeeping | $13,382 |
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.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $255,689 | $91,051+180.8% | $88,497+188.9% | $55,167+363.5% |
| Participation rate | 99.2% | 79.5%+19.6pp | 82.4%+16.8pp | 69.0%+30.2pp |
| Annual return | 0.20% | 9.63%-9.4pp | 7.63%-7.4pp | 169.23%-169.0pp |
| Employer contribution / active EE | $6,256 | $3,430+82.4% | $4,036+55.0% | $1,963+218.7% |
| Participant deferral / active EE | $12,201 | $4,954+146.3% | $4,899+149.0% | $3,054+299.5% |
| Admin fee / account holder | $349 | $539-35.2% | $6,220-94.4% | $504-30.7% |