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| Provider | Service type | Compensation |
|---|---|---|
MORNINGSTAR2 years Service code 26 · EIN 36-3297908 | Advisory (Participants) | $1,230 |
Filed as: VOYA RETIREMENT INSURANCE AND ANNUI Service code 26 · EIN 71-0294708 | Advisory (Participants) | $1,230 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,480 | $49,451-78.8% | $79,576-86.8% | $66,930-84.3% |
| Participation rate | 48.8% | 61.3%-12.6pp | 69.5%-20.7pp | 69.8%-21.0pp |
| Annual return | -19.62% | 84.25%-103.9pp | 0.15%-19.8pp | 1.57%-21.2pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,413-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,027 | $3,159-4.2% | $3,985-24.0% | $4,238-28.6% |
| Admin fee / account holder | $47 | $595-92.2% | $6,834-99.3% | $593-92.2% |