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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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $56,489 | $69,848-19.1% | $115,756-51.2% | $66,930-15.6% |
| Participation rate | 40.0% | 70.6%-30.6pp | 77.1%-37.1pp | 69.8%-29.8pp |
| Annual return | -18.20% | 969.66%-987.9pp | 143.14%-161.3pp | 1.57%-19.8pp |
| Employer contribution / active EE | $0 | $2,613-100.0% | $3,793-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $4,974 | $4,274+16.4% | $6,254-20.5% | $4,238+17.4% |
| Admin fee / account holder | $25 | $337-92.6% | $8,124-99.7% | $593-95.8% |