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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $2,434 |
Filed as: VOYA RETIREMENT INS AND ANNUITY Service code 26 · EIN 71-0294708 | Advisory (Participants) | $2,434 |
ASCENSUS LLC2 years Filed as: ASCENSUS Service code 49 · EIN 82-3719843 | Other Services | $1,214 |
MORNINGSTAR8+ years Service code 27 · EIN 36-3297908 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,412 | $46,325-66.7% | $143,788-89.3% | $64,814-76.2% |
| Participation rate | 52.9% | 64.2%-11.4pp | 80.3%-27.4pp | 71.5%-18.6pp |
| Annual return | -17.52% | -10.05%-7.5pp | -0.03%-17.5pp | 32.84%-50.4pp |
| Employer contribution / active EE | $784 | $1,911-59.0% | $4,952-84.2% | $2,507-68.7% |
| Participant deferral / active EE | $1,386 | $2,647-47.6% | $5,638-75.4% | $4,310-67.8% |
| Admin fee / account holder | $51 | $154-66.6% | $14,675-99.7% | $188-72.7% |