Filed November 22, 2022
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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 | $38,559 | $69,012-44.1% | $160,037-75.9% | $68,490-43.7% |
| Participation rate | 65.7% | 65.4%+0.3pp | 78.0%-12.3pp | 67.9%-2.2pp |
| Annual return | -17.57% | -9.65%-7.9pp | 408.95%-426.5pp | -7.85%-9.7pp |
| Employer contribution / active EE | $1,035 | $2,212-53.2% | $4,226-75.5% | $2,597-60.2% |
| Participant deferral / active EE | $5,391 | $4,212+28.0% | $6,184-12.8% | $4,028+33.8% |
| Admin fee / account holder | $482 | $4,798-90.0% | $8,716-94.5% | $5,403-91.1% |