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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES Service code 99 · EIN 04-2675571 | Other Fees | $0 |
Filed as: VOYA RETIREMENT INSUR & ANNUITY CO Service code 28 | Investment Management | $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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,520 | $54,717+5.1% | $86,209-33.3% | $71,495-19.5% |
| Participation rate | 41.8% | 60.1%-18.3pp | 69.0%-27.1pp | 67.9%-26.1pp |
| Annual return | 12.01% | 20.07%-8.1pp | 1169.05%-1157.0pp | 28.85%-16.8pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,381-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $4,418 | $3,110+42.0% | $3,986+10.8% | $4,291+3.0% |
| Admin fee / account holder | $43 | $1,922-97.7% | $6,853-99.4% | $1,588-97.3% |