Filed October 10, 2023
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $13,961 | $82,678-83.1% | $125,391-88.9% | $68,490-79.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.4%+17.6pp | 67.9%+32.1pp |
| Annual return | -20.59% | -5.97%-14.6pp | 572.41%-593.0pp | -7.85%-12.7pp |
| Employer contribution / active EE | $5,215 | $3,382+54.2% | $4,816+8.3% | $2,597+100.8% |
| Participant deferral / active EE | $2,489 | $6,111-59.3% | $7,448-66.6% | $4,028-38.2% |
| Admin fee / account holder | $859 | $6,277-86.3% | $10,009-91.4% | $5,403-84.1% |