| Provider | Service type | Compensation |
|---|---|---|
OSWALD FINANCIAL, INC.1 year Filed as: OSWALD FINANCIAL Service code 99 · EIN 41-1411118 | Other Fees | $600 |
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $83 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,037 | $86,897-93.1% | $151,634-96.0% | $64,829-90.7% |
| Participation rate | 49.8% | 87.3%-37.4pp | 87.5%-37.7pp | 71.5%-21.7pp |
| Annual return | 296.78% | -3.57%+300.3pp | 3.32%+293.5pp | 32.85%+263.9pp |
| Employer contribution / active EE | $627 | $4,010-84.4% | $6,165-89.8% | $2,507-75.0% |
| Participant deferral / active EE | $1,298 | $6,690-80.6% | $8,363-84.5% | $4,312-69.9% |
| Admin fee / account holder | $93 | $153-38.9% | $11,614-99.2% | $188-50.3% |