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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 | $29,569-27.6% | $56,077-61.8% | $77,714-72.5% |
| Participation rate | 18.8% | 32.6%-13.9pp | 52.5%-33.7pp | 70.6%-51.8pp |
| Annual return | 9.25% | 18.90%-9.6pp | 1709.28%-1700.0pp | 31.26%-22.0pp |
| Employer contribution / active EE | $441 | $569-22.4% | $1,040-57.6% | $2,727-83.8% |
| Participant deferral / active EE | $740 | $1,061-30.2% | $1,954-62.1% | $4,649-84.1% |
| Admin fee / account holder | $46 | $1,042-95.6% | $2,825-98.4% | $433-89.3% |