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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 49 | Other Services | $1,002 |
Filed as: VOYA RETIREMENT INS AND ANNUITY CO Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,396 | $29,507-27.5% | $56,025-61.8% | $77,762-72.5% |
| Participation rate | 18.8% | 32.7%-14.0pp | 52.5%-33.7pp | 70.6%-51.8pp |
| Annual return | 9.25% | 18.90%-9.6pp | 1712.69%-1703.4pp | 31.27%-22.0pp |
| Employer contribution / active EE | $441 | $570-22.5% | $1,042-57.6% | $2,728-83.8% |
| Participant deferral / active EE | $740 | $1,062-30.3% | $1,955-62.1% | $4,651-84.1% |
| Admin fee / account holder | $46 | $1,041-95.6% | $2,828-98.4% | $433-89.3% |