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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $508 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,107 | $106,236-81.1% | $112,263-82.1% | $64,824-69.0% |
| Participation rate | 42.5% | 71.7%-29.1pp | 75.1%-32.5pp | 71.5%-28.9pp |
| Annual return | -16.68% | -6.02%-10.7pp | 27.49%-44.2pp | 32.84%-49.5pp |
| Employer contribution / active EE | $1,025 | $3,167-67.6% | $3,636-71.8% | $2,507-59.1% |
| Participant deferral / active EE | $2,735 | $3,786-27.8% | $4,729-42.2% | $4,311-36.6% |
| Admin fee / account holder | $82 | $452-81.9% | $6,410-98.7% | $188-56.4% |