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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 16 · EIN 43-1451524 | Consulting | $11,407 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $598 |
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.
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 | $53,151 | $83,427-36.3% | $115,756-54.1% | $68,486-22.4% |
| Participation rate | 40.0% | 71.9%-31.9pp | 77.1%-37.1pp | 67.9%-27.9pp |
| Annual return | -17.91% | -10.95%-7.0pp | 143.14%-161.1pp | -7.85%-10.1pp |
| Employer contribution / active EE | $314 | $3,075-89.8% | $3,793-91.7% | $2,597-87.9% |
| Participant deferral / active EE | $2,617 | $5,355-51.1% | $6,254-58.2% | $4,028-35.0% |
| Admin fee / account holder | $286 | $5,708-95.0% | $8,124-96.5% | $5,404-94.7% |