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| Provider | Service type | Compensation |
|---|---|---|
Service code 99 · EIN 45-4003393 | Other Fees | $0 |
Filed as: VALLEY FORGE PENSION MANAGEMENT Service code 49 · EIN 82-2774740 | Other Services | $0 |
Filed as: VOYA RETIREMENT INS. & ANNUITY CO. Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $66,794 | $102,429-34.8% | $147,096-54.6% | $80,925-17.5% |
| Participation rate | 54.8% | 75.9%-21.1pp | 82.2%-27.4pp | 67.7%-12.9pp |
| Annual return | 12.41% | 135.02%-122.6pp | 419.75%-407.3pp | 35.65%-23.2pp |
| Employer contribution / active EE | $731 | $3,716-80.3% | $4,936-85.2% | $2,756-73.5% |
| Participant deferral / active EE | $8,220 | $6,649+23.6% | $8,071+1.8% | $4,299+91.2% |
| Admin fee / account holder | $372 | $7,957-95.3% | $13,005-97.1% | $6,940-94.6% |