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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INS.AND ANNUITY Service code 60 · EIN 71-0294708 | Sub-TA Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $24,759 | $46,297-46.5% | $71,671-65.5% | $62,293-60.3% |
| Participation rate | 50.5% | 60.6%-10.2pp | 68.7%-18.3pp | 69.5%-19.0pp |
| Annual return | 14.43% | 22.32%-7.9pp | 20.65%-6.2pp | 28.90%-14.5pp |
| Employer contribution / active EE | $0 | $1,412-100.0% | $2,460-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $716 | $2,235-68.0% | $3,438-79.2% | $3,169-77.4% |
| Admin fee / account holder | $10 | $461-97.8% | $5,558-99.8% | $479-97.9% |