Filed January 23, 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 | $85,499 | $160,070-46.6% | $147,117-41.9% | $145,897-41.4% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 13.92% | 98.69%-84.8pp | 420.54%-406.6pp | 552.29%-538.4pp |
| Employer contribution / active EE | $1,730 | $5,285-67.3% | $4,932-64.9% | $4,663-62.9% |
| Participant deferral / active EE | $4,972 | $8,419-40.9% | $8,065-38.3% | $6,689-25.7% |
| Admin fee / account holder | $431 | $15,035-97.1% | $12,993-96.7% | $13,390-96.8% |