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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR1 year Service code 27 · EIN 36-3297908 | Advisory (Plan) | $415 |
HICKS PENSION SERVICES1 year Service code 49 · EIN 77-0155091 | Other Services | $0 |
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,950 | $86,897-72.4% | $151,645-84.2% | $64,824-63.1% |
| Participation rate | 51.4% | 87.3%-35.9pp | 87.5%-36.1pp | 71.5%-20.1pp |
| Annual return | 1.92% | -3.57%+5.5pp | 3.34%-1.4pp | 32.84%-30.9pp |
| Employer contribution / active EE | $1,676 | $4,010-58.2% | $6,165-72.8% | $2,507-33.1% |
| Participant deferral / active EE | $3,347 | $6,690-50.0% | $8,363-60.0% | $4,311-22.4% |
| Admin fee / account holder | $24 | $153-84.1% | $11,614-99.8% | $188-87.1% |