Filed April 12, 2023
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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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,440 | $78,423-1.3% | $95,964-19.3% | $79,856-3.0% |
| Participation rate | 34.4% | 73.5%-39.0pp | 77.1%-42.6pp | 69.6%-35.2pp |
| Annual return | 6.14% | 19.37%-13.2pp | 91.64%-85.5pp | 31.71%-25.6pp |
| Employer contribution / active EE | $1,501 | $1,945-22.8% | $2,541-40.9% | $2,471-39.2% |
| Participant deferral / active EE | $1,807 | $3,440-47.5% | $4,167-56.6% | $3,741-51.7% |
| Admin fee / account holder | $892 | $5,622-84.1% | $6,797-86.9% | $5,306-83.2% |