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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $36,148 |
Filed as: ONEDIGITAL INVESTMENT ADVISORS Service code 99 · EIN 43-1451524 | Other Fees | $8,462 |
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 | $19,634 | $78,562-75.0% | $105,608-81.4% | $74,429-73.6% |
| Participation rate | 87.3% | 72.8%+14.5pp | 75.3%+12.1pp | 67.2%+20.1pp |
| Annual return | 12.42% | 15.94%-3.5pp | 116.50%-104.1pp | 1368.38%-1356.0pp |
| Employer contribution / active EE | $1,251 | $2,521-50.4% | $3,167-60.5% | $2,625-52.3% |
| Participant deferral / active EE | $3,359 | $4,321-22.3% | $5,010-33.0% | $4,348-22.8% |
| Admin fee / account holder | $101 | $2,217-95.4% | $11,028-99.1% | $1,944-94.8% |