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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 27 · EIN 71-0294708 22 WEST WASHINGTON STREET · CHICAGO, IL 60602 | Advisory (Plan) | $0 |
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.
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 | $53,179 | $73,638-27.8% | $95,960-44.6% | $73,493-27.6% |
| Participation rate | 30.7% | 76.2%-45.4pp | 77.1%-46.4pp | 70.7%-40.0pp |
| Annual return | 12.66% | 16.78%-4.1pp | 91.63%-79.0pp | 28.51%-15.8pp |
| Employer contribution / active EE | -$0 | $1,863-100.0% | $2,541-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,354 | $3,617-34.9% | $4,167-43.5% | $3,740-37.1% |
| Admin fee / account holder | $5 | $482-98.9% | $6,797-99.9% | $513-98.9% |