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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Service code 55 · EIN 06-1375177 1 NEW YORK PLZ FL 12 · NEW YORK, NY 10004 | Other Commissions | $0 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,096 | $65,453-47.9% | $86,691-60.7% | $66,930-49.1% |
| Participation rate | 55.0% | 75.5%-20.4pp | 76.6%-21.6pp | 69.8%-14.8pp |
| Annual return | -14.18% | -10.89%-3.3pp | 35.94%-50.1pp | 1.57%-15.8pp |
| Employer contribution / active EE | $692 | $2,154-67.9% | $2,837-75.6% | $2,545-72.8% |
| Participant deferral / active EE | $3,075 | $4,102-25.0% | $4,656-34.0% | $4,238-27.4% |
| Admin fee / account holder | $3 | $642-99.5% | $7,492-100.0% | $593-99.5% |