Filed October 31, 2022
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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,643 | $80,753-69.5% | $136,297-81.9% | $62,293-60.4% |
| Participation rate | 76.5% | 73.5%+2.9pp | 81.9%-5.5pp | 69.5%+7.0pp |
| Annual return | 23.86% | 35.83%-12.0pp | 5156.19%-5132.3pp | 28.90%-5.0pp |
| Employer contribution / active EE | $1,802 | $2,884-37.5% | $4,696-61.6% | $2,042-11.8% |
| Participant deferral / active EE | $3,701 | $5,164-28.3% | $6,247-40.8% | $3,169+16.8% |
| Admin fee / account holder | $404 | $525-23.1% | $9,244-95.6% | $479-15.7% |