Filed February 14, 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 | $36,808 | $85,766-57.1% | $136,297-73.0% | $70,124-47.5% |
| Participation rate | 57.3% | 74.2%-16.9pp | 81.9%-24.6pp | 69.5%-12.2pp |
| Annual return | 33.89% | 31.45%+2.4pp | 5156.19%-5122.3pp | 73.14%-39.2pp |
| Employer contribution / active EE | $770 | $2,966-74.0% | $4,696-83.6% | $2,342-67.1% |
| Participant deferral / active EE | $5,579 | $5,051+10.4% | $6,247-10.7% | $3,332+67.4% |
| Admin fee / account holder | $2,998 | $5,420-44.7% | $9,244-67.6% | $4,645-35.5% |