Filed September 12, 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 | $127,957 | $102,385+25.0% | $147,080-13.0% | $80,935+58.1% |
| Participation rate | 34.4% | 75.9%-41.5pp | 82.2%-47.8pp | 67.7%-33.3pp |
| Annual return | 15.44% | 135.09%-119.6pp | 420.17%-404.7pp | 35.66%-20.2pp |
| Employer contribution / active EE | $2,930 | $3,717-21.2% | $4,933-40.6% | $2,757+6.3% |
| Participant deferral / active EE | $7,571 | $6,651+13.8% | $8,066-6.1% | $4,299+76.1% |
| Admin fee / account holder | $17,815 | $7,951+124.0% | $12,989+37.2% | $6,924+157.3% |