Filed August 15, 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 | $124,830 | $99,875+25.0% | $146,866-15.0% | $86,983+43.5% |
| Participation rate | 44.0% | 75.8%-31.8pp | 82.5%-38.5pp | 69.5%-25.5pp |
| Annual return | 16.87% | 28.10%-11.2pp | 102.85%-86.0pp | 25.83%-9.0pp |
| Employer contribution / active EE | $2,323 | $3,224-27.9% | $4,425-47.5% | $2,584-10.1% |
| Participant deferral / active EE | $3,752 | $6,322-40.7% | $7,759-51.6% | $4,194-10.5% |
| Admin fee / account holder | $5,765 | $7,838-26.4% | $13,620-57.7% | $7,856-26.6% |