Filed July 22, 2023
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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 | $40,156 | $98,776-59.3% | $149,745-73.2% | $79,856-49.7% |
| Participation rate | 63.8% | 75.8%-12.0pp | 82.5%-18.7pp | 69.6%-5.8pp |
| Annual return | 30.63% | 27.38%+3.3pp | 276.72%-246.1pp | 31.71%-1.1pp |
| Employer contribution / active EE | $2,187 | $3,217-32.0% | $4,646-52.9% | $2,471-11.5% |
| Participant deferral / active EE | $3,694 | $5,681-35.0% | $6,843-46.0% | $3,741-1.2% |
| Admin fee / account holder | $2,145 | $6,053-64.6% | $9,312-77.0% | $5,306-59.6% |