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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 99 · EIN 71-0294708 | Other Fees | $43,120 |
Service code 99 · EIN 47-1411118 | Other Fees | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,327 | $91,474-23.1% | $135,982-48.3% | $71,529-1.7% |
| Participation rate | 56.0% | 75.7%-19.7pp | 81.9%-25.9pp | 67.9%-12.0pp |
| Annual return | 19.37% | 29.89%-10.5pp | 68.32%-48.9pp | 28.97%-9.6pp |
| Employer contribution / active EE | $2,001 | $3,705-46.0% | $4,859-58.8% | $2,590-22.7% |
| Participant deferral / active EE | $4,676 | $7,095-34.1% | $7,760-39.7% | $4,291+9.0% |
| Admin fee / account holder | $407 | $1,267-67.9% | $10,767-96.2% | $1,588-74.4% |