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| Provider | Service type | Compensation |
|---|---|---|
AMERICAN UNITED LIFE INSURANCE CO10+ years Filed as: ONEAMERICA RETIREMENT SERVICES LLC Service code 15 · EIN 46-5378846 | Recordkeeping | $38,368 |
Filed as: SCHWAB RETIREMENT PLAN SERVICES,INC Service code 15 · EIN 34-1479833 | Recordkeeping | $8,064 |
Service code 33 · EIN 94-1737782 | Direct payment from the plan; Securit... | $440 |
Filed as: CHARLES SCHWAB & CO.,INC. AND AFFIL Service code 59 | Shareholder Servicing | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $421,452 | $101,499+315.2% | $147,005+186.7% | $74,546+465.4% |
| Participation rate | 93.1% | 75.5%+17.6pp | 82.2%+10.9pp | 67.2%+25.9pp |
| Annual return | 13.71% | 8732.34%-8718.6pp | 418.76%-405.1pp | 1366.03%-1352.3pp |
| Employer contribution / active EE | $18,277 | $3,811+379.6% | $4,934+270.4% | $2,624+596.4% |
| Participant deferral / active EE | $9,390 | $7,304+28.6% | $8,070+16.4% | $4,347+116.0% |
| Admin fee / account holder | $308 | $1,748-82.4% | $13,006-97.6% | $1,944-84.2% |