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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 26 · EIN 43-1451524 | Advisory (Participants) | $35,649 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $1,196 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $45,755 | $89,465-48.9% | $165,071-72.3% | $77,736-41.1% |
| Participation rate | 59.9% | 78.6%-18.7pp | 78.6%-18.7pp | 70.6%-10.7pp |
| Annual return | 16.97% | 28.86%-11.9pp | 70.17%-53.2pp | 31.26%-14.3pp |
| Employer contribution / active EE | $2,795 | $2,565+9.0% | $4,347-35.7% | $2,728+2.5% |
| Participant deferral / active EE | $4,823 | $4,904-1.7% | $6,035-20.1% | $4,651+3.7% |
| Admin fee / account holder | $463 | $340+36.4% | $12,695-96.3% | $433+6.9% |