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 | $42,192 | $70,684-40.3% | $169,397-75.1% | $75,177-43.9% |
| Participation rate | 58.9% | 64.8%-5.9pp | 77.2%-18.3pp | 67.2%-8.3pp |
| Annual return | 16.58% | 36.38%-19.8pp | 406.23%-389.7pp | 160.75%-144.2pp |
| Employer contribution / active EE | $695 | $2,211-68.6% | $4,013-82.7% | $2,671-74.0% |
| Participant deferral / active EE | $3,819 | $4,310-11.4% | $6,223-38.6% | $4,126-7.5% |
| Admin fee / account holder | $2,408 | $5,404-55.4% | $9,017-73.3% | $5,651-57.4% |