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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR7+ years Service code 26 · EIN 36-3297908 | Advisory (Participants) | $13,304 |
ASCENSUS LLC1 year Filed as: ASCENSUS Service code 49 PO BOX 734602 · CHICAGO, IL 60673 | Other Services | $13,294 |
Filed as: VOYA RETIR INSURANCE AND ANNUITY CO Service code 26 · EIN 71-0294708 | Advisory (Participants) | $8,988 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $134,441 | $60,607+121.8% | $189,558-29.1% | $86,813+54.9% |
| Participation rate | 54.5% | 68.9%-14.4pp | 78.5%-23.9pp | 72.3%-17.8pp |
| Annual return | 12.02% | 65.18%-53.2pp | 64.19%-52.2pp | 97.93%-85.9pp |
| Employer contribution / active EE | $2,415 | $1,626+48.6% | $4,412-45.3% | $2,406+0.4% |
| Participant deferral / active EE | $2,325 | $3,895-40.3% | $6,174-62.3% | $4,131-43.7% |
| Admin fee / account holder | $216 | $159+36.2% | $9,809-97.8% | $170+27.5% |