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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $35,975 |
Service code 99 · EIN 61-1758632 | Other Fees | $23,774 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $48,800 | $84,493-42.2% | $125,381-61.1% | $66,938-27.1% |
| Participation rate | 56.9% | 76.4%-19.5pp | 82.4%-25.5pp | 69.8%-13.0pp |
| Annual return | -10.87% | -8.49%-2.4pp | 572.31%-583.2pp | 1.58%-12.5pp |
| Employer contribution / active EE | $2,362 | $3,554-33.5% | $4,815-51.0% | $2,545-7.2% |
| Participant deferral / active EE | $4,401 | $6,783-35.1% | $7,448-40.9% | $4,238+3.8% |
| Admin fee / account holder | $316 | $685-53.9% | $10,007-96.8% | $594-46.8% |