Filed January 17, 2023
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,847 | $107,421-52.7% | $182,262-72.1% | $94,015-45.9% |
| Participation rate | 43.4% | 77.8%-34.4pp | 84.2%-40.8pp | 70.8%-27.4pp |
| Annual return | 20.80% | 21.32%-0.5pp | 140.60%-119.8pp | 17.84%+3.0pp |
| Employer contribution / active EE | $1,474 | $3,448-57.3% | $5,046-70.8% | $2,790-47.2% |
| Participant deferral / active EE | $2,430 | $6,558-62.9% | $8,276-70.6% | $4,249-42.8% |
| Admin fee / account holder | $423 | $8,692-95.1% | $16,712-97.5% | $8,951-95.3% |