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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA FINANCIAL ADVISORS Service code 99 · EIN 22-3586199 | Other Fees | $6,067 |
Service code 49 | Other Services | $2,464 |
MORNINGSTAR5 years Service code 27 | Advisory (Plan) | $825 |
Filed as: VOYA RETIREMENT INSURANCE ANNUITY C Service code 26 · EIN 71-0294708 | Advisory (Participants) | $494 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,089 | $71,534-18.8% | $98,462-41.0% | $71,529-18.8% |
| Participation rate | 52.4% | 72.7%-20.3pp | 75.2%-22.8pp | 67.9%-15.5pp |
| Annual return | 15.62% | 32.44%-16.8pp | 21.17%-5.6pp | 28.97%-13.3pp |
| Employer contribution / active EE | $487 | $2,399-79.7% | $3,049-84.0% | $2,590-81.2% |
| Participant deferral / active EE | $1,847 | $4,109-55.0% | $4,738-61.0% | $4,291-57.0% |
| Admin fee / account holder | $1,093 | $1,677-34.8% | $8,875-87.7% | $1,588-31.2% |