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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $101,787 |
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 99 · EIN 43-1451524 | Other Fees | $53,469 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,466 | $50,919-67.7% | $155,556-89.4% | $77,762-78.8% |
| Participation rate | 59.4% | 63.1%-3.7pp | 78.2%-18.8pp | 70.6%-11.2pp |
| Annual return | 15.39% | 34.84%-19.4pp | 64.84%-49.4pp | 31.27%-15.9pp |
| Employer contribution / active EE | $1,382 | $1,991-30.6% | $4,675-70.4% | $2,728-49.3% |
| Participant deferral / active EE | $2,401 | $2,824-15.0% | $5,631-57.4% | $4,651-48.4% |
| Admin fee / account holder | $110 | $437-74.8% | $15,885-99.3% | $433-74.6% |