Filed August 1, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CIRA (CAMBRIDGE INVESTMENT RESEARCH Service code 99 · EIN 42-1445429 | Other Fees | $30,707 |
Filed as: VOYA RETIREMENT ADVISORS, LLC Service code 26 · EIN 02-0488491 | Advisory (Participants) | $17,265 |
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $4,583 |
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.
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 | $62,603 | $89,123-29.8% | $102,460-38.9% | $77,762-19.5% |
| Participation rate | 61.4% | 80.9%-19.5pp | 76.5%-15.1pp | 70.6%-9.2pp |
| Annual return | 17.01% | 25.05%-8.0pp | 29.47%-12.5pp | 31.27%-14.3pp |
| Employer contribution / active EE | $1,298 | $2,700-51.9% | $3,025-57.1% | $2,728-52.4% |
| Participant deferral / active EE | $2,558 | $5,148-50.3% | $5,056-49.4% | $4,651-45.0% |
| Admin fee / account holder | $46 | $236-80.6% | $9,460-99.5% | $433-89.4% |