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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT AND INSURANCE ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $443 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,858 | $58,726-78.1% | $92,240-86.1% | $62,293-79.4% |
| Participation rate | 39.9% | 68.3%-28.5pp | 76.5%-36.6pp | 69.5%-29.6pp |
| Annual return | 42.19% | 43.62%-1.4pp | 176.29%-134.1pp | 28.90%+13.3pp |
| Employer contribution / active EE | $762 | $2,392-68.2% | $3,680-79.3% | $2,042-62.7% |
| Participant deferral / active EE | $1,982 | $2,766-28.4% | $3,897-49.2% | $3,169-37.5% |
| Admin fee / account holder | $14 | $556-97.5% | $5,194-99.7% | $479-97.2% |