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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC4 years Service code 15 · EIN 11-3665754 | Recordkeeping | $42,069 |
Filed as: ONE DIGITAL INVESTMENT ADV. Service code 27 · EIN 43-1451524 | Advisory (Plan) | $19,272 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $43,602 | $88,186-50.6% | $165,071-73.6% | $74,459-41.4% |
| Participation rate | 78.6% | 73.1%+5.5pp | 78.6%0pp | 67.2%+11.4pp |
| Annual return | 11.25% | 17.13%-5.9pp | 70.17%-58.9pp | 1369.70%-1358.4pp |
| Employer contribution / active EE | $1,976 | $2,600-24.0% | $4,347-54.6% | $2,626-24.8% |
| Participant deferral / active EE | $1,592 | $4,505-64.7% | $6,035-73.6% | $4,350-63.4% |
| Admin fee / account holder | $580 | $2,234-74.0% | $12,695-95.4% | $1,945-70.2% |