Filed January 10, 2023
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $82,159 | $65,704+25.0% | $94,229-12.8% | $59,633+37.8% |
| Participation rate | 68.4% | 72.1%-3.7pp | 78.8%-10.4pp | 68.7%-0.2pp |
| Annual return | -2.06% | 5.22%-7.3pp | 10.68%-12.7pp | 2041.45%-2043.5pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $5,358 | $3,143+70.5% | $4,320+24.0% | $3,192+67.9% |
| Admin fee / account holder | $3,243 | $4,265-24.0% | $6,269-48.3% | $4,297-24.5% |