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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $25,120 |
MORNINGSTAR1 year Service code 27 · EIN 36-3297908 | Advisory (Plan) | $7,786 |
Service code 99 · EIN 56-1721260 | Other Fees | $4,925 |
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 | $11,120 | $50,151-77.8% | $149,696-92.6% | $80,157-86.1% |
| Participation rate | 57.8% | 64.3%-6.5pp | 78.8%-21.0pp | 72.9%-15.1pp |
| Annual return | 30.33% | 29.80%+0.5pp | 134.46%-104.1pp | 40.39%-10.1pp |
| Employer contribution / active EE | $692 | $1,867-62.9% | $4,821-85.7% | $2,977-76.8% |
| Participant deferral / active EE | $2,189 | $3,194-31.5% | $5,682-61.5% | $5,015-56.3% |
| Admin fee / account holder | $30 | $153-80.1% | $13,212-99.8% | $145-79.1% |