Filed January 10, 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.)
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 | $99,228 | $83,485+18.9% | $125,192-20.7% | $72,975+36.0% |
| Participation rate | 59.5% | 73.3%-13.8pp | 79.8%-20.3pp | 69.5%-10.0pp |
| Annual return | 19.59% | 25.77%-6.2pp | 43.79%-24.2pp | 81.01%-61.4pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,866-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,740 | $3,586+32.2% | $4,937-4.0% | $3,608+31.4% |
| Admin fee / account holder | $2,729 | $5,518-50.5% | $9,704-71.9% | $5,124-46.7% |