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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INS AND ANNUITY CO Service code 26 · EIN 71-0294708 | Advisory (Participants) | $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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,772 | $73,823-23.1% | $379,746-85.1% | $73,493-22.8% |
| Participation rate | 36.1% | 73.1%-37.1pp | 78.4%-42.4pp | 70.7%-34.6pp |
| Annual return | 15.39% | 29.06%-13.7pp | 34.90%-19.5pp | 28.51%-13.1pp |
| Employer contribution / active EE | $0 | $2,472-100.0% | $3,540-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,837 | $4,038-5.0% | $6,024-36.3% | $3,740+2.6% |
| Admin fee / account holder | $11 | $607-98.2% | $7,927-99.9% | $513-97.8% |