Ascensus Essentials 401(k) with OneDigital
Help small business clients offer a retirement plan designed for straightforward setup and ongoing support. Available through participating OneDigital advisors, the Ascensus Essentials 401(k) with OneDigital Direct 3(38) combines OneDigital 3(38) investment fiduciary services, Ascensus 3(16) administrative services, and a straightforward plan design.
Streamline 401(k) setup and support for small businesses
A faster sales cycle and online setup help you move opportunities forward, while built-in investment fiduciary and administrative support can help reduce the day-to-day burden for you and your clients. Employees also have access to enrollment, savings, and financial wellness tools that can help them engage with their retirement plan.
| Key benefits for advisors and clients | |
| Low-cost, value-focused plan design | |
| No asset or employee minimums | |
| Traditional 401(k) options for fee-based advisors | |
| Full-service administration and compliance testing | |
| 3(38) fiduciary services provided by OneDigital | |
| Fast, online plan setup and ongoing plan health reporting | |
| Automatic enrollment and auto-increase | |
| 500+ payroll integrations for operational efficiency | |
| READYSAVE™ app and tools for employee engagement | |
| Integrated financial wellness education through Financial Finesse Essentials | |
| Built-in 3(16) administrative services | |
Straightforward pricing for small business 401(k) plans
No asset or employee minimums, straightforward pricing, and a turnkey plan design with built-in fiduciary and administrative support make it easier to bring a 401(k) solution to small business clients.
| Employer Fee | $150/month |
| One-time costs | |
| Implementation Fee | $500 |
| Employee fees | |
| Monthly Recordkeeping | $7.50/employee/month |
| Annual Custodial and Trading* | 0.07% |
| Annual Intermediary Service Fee (Includes 3(38) Fiduciary Fee) | Set by fee-based advisor |
| *Fees are shown in annual terms but are deducted monthly. The monthly custodial and trading fee is roughly 0.00583%. ** The intermediary service fee will be converted to a monthly charge by dividing the annual fee by 12. |
As of 07/15/2026 Pricing subject to change |
Advisor resources
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Advisor Overview: Ascensus Essentials 401(k) with OneDigital Direct 3(38)
Get the product details, pricing, and key talking points you need to introduce the solution to small business clients.
Client Overview: Ascensus Essentials 401(k) with OneDigital Direct 3(38)
Summarizes plan benefits, fiduciary services, and employee engagement tools, ideal for sharing with prospective clients.
Start the conversation
Let’s talk about how the Ascensus Essentials 401(k) with OneDigital Direct 3(38) can help you deliver more value to small business clients. Give us a call or complete the form and a specialist will connect with you.
For new plan sales: 855-638-2941
For existing plan services: 833-892-8878
Before recommending or discussing any product or service with a client, consider the benefits, risks, costs, and applicability to the client’s circumstances. Certain products and services may not be appropriate for all plans or clients. Exercise independent judgment.
OneDigital serves as the 3(38) investment fiduciary and is responsible for providing investment fiduciary services under the plan.