Filed October 3, 2023 (most recent of 2 filings on file)
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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 | $22,986 | $72,177-68.2% | $115,038-80.0% | $59,633-61.5% |
| Participation rate | 68.8% | 72.6%-3.8pp | 81.4%-12.6pp | 68.7%+0.1pp |
| Annual return | -1.35% | 12.02%-13.4pp | 26.14%-27.5pp | 2041.45%-2042.8pp |
| Employer contribution / active EE | $882 | $2,841-69.0% | $4,608-80.9% | $2,203-60.0% |
| Participant deferral / active EE | $2,132 | $4,783-55.4% | $6,026-64.6% | $3,192-33.2% |
| Admin fee / account holder | $5,453 | $4,927+10.7% | $8,175-33.3% | $4,297+26.9% |