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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 26 · EIN 43-1451524 | Advisory (Participants) | $98,284 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $9,409 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $43,013 | $50,151-14.2% | $149,696-71.3% | $80,157-46.3% |
| Participation rate | 38.8% | 64.3%-25.5pp | 78.8%-40.0pp | 72.9%-34.1pp |
| Annual return | 19.04% | 29.80%-10.8pp | 134.46%-115.4pp | 40.39%-21.4pp |
| Employer contribution / active EE | $201 | $1,867-89.2% | $4,821-95.8% | $2,977-93.2% |
| Participant deferral / active EE | $3,255 | $3,194+1.9% | $5,682-42.7% | $5,015-35.1% |
| Admin fee / account holder | $95 | $153-37.5% | $13,212-99.3% | $145-34.1% |