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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 38-3220894 | Recordkeeping | $11,330 |
Service code 99 · EIN 59-1237041 | Other Fees | $5,246 |
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,945 | $59,186-73.1% | $76,766-79.2% | $56,287-71.7% |
| Participation rate | 92.0% | 75.2%+16.7pp | 77.0%+15.0pp | 69.9%+22.1pp |
| Annual return | -2.39% | 6.62%-9.0pp | 2.43%-4.8pp | -9.96%+7.6pp |
| Employer contribution / active EE | $782 | $1,759-55.5% | $2,485-68.5% | $2,111-62.9% |
| Participant deferral / active EE | $1,984 | $3,255-39.0% | $3,851-48.5% | $3,350-40.8% |
| Admin fee / account holder | $72 | $489-85.2% | $6,675-98.9% | $521-86.1% |