Filed March 6, 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 | $40,961 | $49,164-16.7% | $121,169-66.2% | $75,181-45.5% |
| Participation rate | 35.9% | 55.4%-19.5pp | 69.5%-33.6pp | 67.2%-31.3pp |
| Annual return | 17.67% | 56.03%-38.4pp | 986.71%-969.0pp | 160.69%-143.0pp |
| Employer contribution / active EE | $0 | $1,546-100.0% | $4,168-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,159 | $2,628-17.8% | $4,083-47.1% | $4,126-47.7% |
| Admin fee / account holder | $2,306 | $3,942-41.5% | $5,645-59.2% | $5,650-59.2% |