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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VOYA RETIREMENT INS. & ANN CO Service code 27 · EIN 71-0294708 | Advisory (Plan) | $25,868 |
CELERITY ADVISORS LLC4 years Service code 99 · EIN 82-2476384 | Other Fees | $19,742 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,504 | $63,768-30.2% | $98,506-54.8% | $79,389-43.9% |
| Participation rate | 51.7% | 69.9%-18.1pp | 73.3%-21.6pp | 70.7%-19.0pp |
| Annual return | 11.81% | 626.18%-614.4pp | 1494.92%-1483.1pp | 116.89%-105.1pp |
| Employer contribution / active EE | $1,969 | $2,558-23.0% | $2,961-33.5% | $2,428-18.9% |
| Participant deferral / active EE | $1,003 | $3,305-69.6% | $4,277-76.5% | $4,046-75.2% |
| Admin fee / account holder | $428 | $516-17.0% | $5,955-92.8% | $626-31.6% |