Filed July 22, 2023
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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 | $36,141 | $85,515-57.7% | $112,040-67.7% | $67,986-46.8% |
| Participation rate | 80.0% | 68.2%+11.8pp | 76.5%+3.5pp | 57.2%+22.8pp |
| Annual return | 16.70% | 29.68%-13.0pp | 24.52%-7.8pp | 31.67%-15.0pp |
| Employer contribution / active EE | $1,921 | $2,191-12.3% | $2,954-35.0% | $2,019-4.8% |
| Participant deferral / active EE | $3,619 | $4,014-9.8% | $5,098-29.0% | $3,358+7.8% |
| Admin fee / account holder | $1,385 | $3,774-63.3% | $12,098-88.6% | $3,203-56.8% |