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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RET INSURANCE & ANNUITY Service code 27 | Advisory (Plan) | $819 |
MORNINGSTAR1 year Service code 26 · EIN 36-3297908 | Advisory (Participants) | $4 |
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 16-1124166 PO BOX 990067 · HARTFORD, CT 061990067 | Advisory (Participants) | $4 |
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.
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 | $26,417 | $100,801-73.8% | $149,745-82.4% | $73,412-64.0% |
| Participation rate | 62.9% | 77.7%-14.8pp | 82.5%-19.6pp | 72.2%-9.3pp |
| Annual return | 25.33% | 265.34%-240.0pp | 276.72%-251.4pp | 59.30%-34.0pp |
| Employer contribution / active EE | $1,428 | $3,312-56.9% | $4,646-69.3% | $2,234-36.1% |
| Participant deferral / active EE | $2,502 | $6,404-60.9% | $6,843-63.4% | $3,806-34.3% |
| Admin fee / account holder | $10 | $181-94.2% | $9,312-99.9% | $158-93.4% |