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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ING LIFE INSURANCE AND ANNUITY CO Service code 60 · EIN 71-0294708 | Sub-TA Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
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 | $53,578 | $49,138+9.0% | $84,023-36.2% | $65,186-17.8% |
| Participation rate | 52.8% | 60.7%-7.9pp | 69.0%-16.2pp | 70.2%-17.4pp |
| Annual return | 17.92% | 23.00%-5.1pp | 71.32%-53.4pp | 29.39%-11.5pp |
| Employer contribution / active EE | $68 | $914-92.5% | $1,984-96.6% | $2,177-96.9% |
| Participant deferral / active EE | $2,057 | $2,397-14.2% | $3,239-36.5% | $3,514-41.5% |
| Admin fee / account holder | $32 | $543-94.2% | $6,102-99.5% | $847-96.3% |