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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 49 · EIN 71-0294708 | Other Services | $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 | $12,740 | $30,555-58.3% | $80,741-84.2% | $86,821-85.3% |
| Participation rate | 29.8% | 37.2%-7.5pp | 54.2%-24.4pp | 72.3%-42.5pp |
| Annual return | 10.99% | 30.35%-19.4pp | 87.30%-76.3pp | 97.94%-86.9pp |
| Employer contribution / active EE | $483 | $472+2.3% | $1,160-58.4% | $2,406-79.9% |
| Participant deferral / active EE | $547 | $1,050-47.8% | $2,145-74.5% | $4,132-86.7% |
| Admin fee / account holder | $0 | $135-100.0% | $3,380-100.0% | $170-100.0% |