Filed December 15, 2022
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Participant 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,040 | $105,200-74.3% | $159,474-83.0% | $85,847-68.5% |
| Participation rate | 97.7% | 75.8%+21.9pp | 82.8%+14.9pp | 69.3%+28.4pp |
| Annual return | 135.43% | 45.08%+90.4pp | 263.68%-128.2pp | 318.61%-183.2pp |
| Employer contribution / active EE | $1,877 | $3,319-43.4% | $4,831-61.1% | $2,565-26.8% |
| Participant deferral / active EE | $0 | $5,946-100.0% | $7,353-100.0% | $3,952-100.0% |
| Admin fee / account holder | $472 | $6,934-93.2% | $10,802-95.6% | $6,261-92.5% |