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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $20,930 |
Service code 99 · EIN 56-1721260 | Other Fees | $7,461 |
MORNINGSTAR2 years Service code 27 · EIN 36-3297908 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $11,532 | $53,204-78.3% | $155,556-92.6% | $200,096-94.2% |
| Participation rate | 65.6% | 64.1%+1.5pp | 78.2%-12.6pp | 72.0%-6.4pp |
| Annual return | 15.28% | 41.02%-25.7pp | 64.84%-49.6pp | 34.26%-19.0pp |
| Employer contribution / active EE | $619 | $1,850-66.5% | $4,675-86.8% | $3,038-79.6% |
| Participant deferral / active EE | $2,345 | $3,163-25.9% | $5,631-58.4% | $5,090-53.9% |
| Admin fee / account holder | $19 | $186-89.9% | $15,885-99.9% | $269-93.0% |