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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $24,306 |
CALDWELL TRUST COMPANY1 year Service code 99 | Other Fees | $7,458 |
CALDWELL TRUST COMPANY1 year Filed as: CALDWELL TRUST COPMANY Service code 99 · EIN 65-0376693 | Other Fees | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,757 | $63,768-80.0% | $98,506-87.0% | $79,389-83.9% |
| Participation rate | 85.6% | 69.9%+15.7pp | 73.3%+12.3pp | 70.7%+14.9pp |
| Annual return | 23.45% | 626.18%-602.7pp | 1494.92%-1471.5pp | 116.89%-93.4pp |
| Employer contribution / active EE | $884 | $2,558-65.5% | $2,961-70.2% | $2,428-63.6% |
| Participant deferral / active EE | $1,776 | $3,305-46.3% | $4,277-58.5% | $4,046-56.1% |
| Admin fee / account holder | $165 | $516-68.0% | $5,955-97.2% | $626-73.6% |