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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $3,538 |
Filed as: VOYA RETIREMENT ADVISORS, LLC Service code 26 · EIN 02-0488491 | Advisory (Participants) | $643 |
MORNINGSTAR2 years Service code 27 · EIN 36-3297908 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,480 | $80,731-42.4% | $103,378-55.0% | $74,400-37.5% |
| Participation rate | 69.4% | 65.7%+3.7pp | 74.5%-5.1pp | 67.2%+2.2pp |
| Annual return | 12.39% | 27.56%-15.2pp | 24.91%-12.5pp | 1367.51%-1355.1pp |
| Employer contribution / active EE | $1,796 | $3,159-43.2% | $3,870-53.6% | $2,624-31.6% |
| Participant deferral / active EE | $5,219 | $3,862+35.1% | $5,058+3.2% | $4,348+20.0% |
| Admin fee / account holder | $37 | $2,369-98.5% | $8,401-99.6% | $1,944-98.1% |