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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR6+ years Service code 26 · EIN 36-3297908 | Advisory (Participants) | $6,999 |
Filed as: VOYA RET INSURANCE AND ANNUITY COMP Service code 27 | Advisory (Plan) | $4,141 |
Filed as: VOYA RETIR INSURANCE AND ANNUITY CO Service code 26 · EIN 71-0294708 | Advisory (Participants) | $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.
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 | $126,475 | $56,152+125.2% | $185,861-32.0% | $73,412+72.3% |
| Participation rate | 54.6% | 67.6%-13.0pp | 78.0%-23.5pp | 72.2%-17.6pp |
| Annual return | 12.86% | 17.59%-4.7pp | 35.96%-23.1pp | 59.30%-46.4pp |
| Employer contribution / active EE | $2,392 | $1,532+56.2% | $4,088-41.5% | $2,234+7.1% |
| Participant deferral / active EE | $2,240 | $3,659-38.8% | $5,634-60.2% | $3,806-41.1% |
| Admin fee / account holder | $197 | $132+49.5% | $9,503-97.9% | $158+25.0% |