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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RET. INS. AND ANNUITY CO. Service code 26 · EIN 71-0294708 | Advisory (Participants) | $5,171 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $206 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,267 | $58,320-67.0% | $86,439-77.7% | $66,930-71.2% |
| Participation rate | 54.4% | 78.6%-24.2pp | 80.3%-25.9pp | 69.8%-15.4pp |
| Annual return | -16.00% | -9.71%-6.3pp | 4395.55%-4411.5pp | 1.57%-17.6pp |
| Employer contribution / active EE | $2,953 | $2,615+12.9% | $3,769-21.6% | $2,545+16.0% |
| Participant deferral / active EE | $4,674 | $6,899-32.3% | $6,952-32.8% | $4,238+10.3% |
| Admin fee / account holder | $8 | $546-98.6% | $6,732-99.9% | $593-98.7% |