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| Provider | Service type | Compensation |
|---|---|---|
Service code 49 | Other Services | $845 |
MORNINGSTAR1 year Service code 27 | Advisory (Plan) | $340 |
Filed as: VOYA RETIREMENT INS AND ANNUITY CO Service code 27 · EIN 71-0294708 | Advisory (Plan) | $0 |
Filed as: VOYA RETIREMENT INS AND ANNUITY COM Service code 49 · EIN 71-0294708 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $25,236 | $54,690-53.9% | $76,030-66.8% | $74,478-66.1% |
| Participation rate | 69.4% | 60.3%+9.1pp | 69.1%+0.4pp | 67.2%+2.2pp |
| Annual return | 4.85% | 31.92%-27.1pp | 361.54%-356.7pp | 1370.56%-1365.7pp |
| Employer contribution / active EE | $1,640 | $1,781-7.9% | $2,688-39.0% | $2,626-37.6% |
| Participant deferral / active EE | $1,494 | $3,070-51.3% | $4,257-64.9% | $4,350-65.6% |
| Admin fee / account holder | $84 | $2,240-96.2% | $6,421-98.7% | $1,946-95.7% |