Filed January 27, 2023
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $21,949 | $108,825-79.8% | $156,181-85.9% | $82,448-73.4% |
| Participation rate | 87.8% | 72.4%+15.4pp | 78.8%+9.0pp | 68.1%+19.7pp |
| Annual return | 32.13% | 20.59%+11.5pp | 64.87%-32.7pp | 41.64%-9.5pp |
| Employer contribution / active EE | $1,939 | $2,870-32.4% | $4,294-54.8% | $2,551-24.0% |
| Participant deferral / active EE | $3,729 | $4,577-18.5% | $6,132-39.2% | $4,139-9.9% |
| Admin fee / account holder | $849 | $9,341-90.9% | $14,586-94.2% | $7,234-88.3% |