Filed August 24, 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 | $94,785 | $43,730+116.8% | $121,208-21.8% | $64,181+47.7% |
| Participation rate | 25.9% | 58.3%-32.4pp | 71.8%-45.8pp | 69.6%-43.6pp |
| Annual return | -8.38% | 68.94%-77.3pp | 16.93%-25.3pp | 7.63%-16.0pp |
| Employer contribution / active EE | $721 | $1,297-44.4% | $4,023-82.1% | $2,381-69.7% |
| Participant deferral / active EE | $1,449 | $2,281-36.5% | $3,345-56.7% | $3,470-58.2% |
| Admin fee / account holder | $2,608 | $3,502-25.5% | $5,020-48.0% | $4,887-46.6% |