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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES Service code 99 · EIN 04-2675571 | Other Fees | $15,447 |
Filed as: VOYA RETIRMENT INSURANCE & ANNUITY Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $6,353 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,775 | $65,428+17.3% | $169,397-54.7% | $71,529+7.3% |
| Participation rate | 67.4% | 66.9%+0.5pp | 77.2%-9.8pp | 67.9%-0.5pp |
| Annual return | 17.40% | 21.35%-3.9pp | 406.23%-388.8pp | 28.97%-11.6pp |
| Employer contribution / active EE | $2,917 | $2,064+41.4% | $4,013-27.3% | $2,590+12.7% |
| Participant deferral / active EE | $5,737 | $4,360+31.6% | $6,223-7.8% | $4,291+33.7% |
| Admin fee / account holder | $203 | $1,328-84.7% | $9,017-97.7% | $1,588-87.2% |