Filed August 3, 2022
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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 | $38,415 | $78,027-50.8% | $178,528-78.5% | $80,925-52.5% |
| Participation rate | 55.3% | 65.7%-10.4pp | 77.1%-21.8pp | 67.7%-12.4pp |
| Annual return | 18.58% | 18.09%+0.5pp | 27.11%-8.5pp | 35.65%-17.1pp |
| Employer contribution / active EE | $3,545 | $2,281+55.4% | $3,950-10.3% | $2,756+28.6% |
| Participant deferral / active EE | $5,238 | $4,408+18.8% | $6,278-16.6% | $4,299+21.9% |
| Admin fee / account holder | $4,047 | $7,168-43.5% | $10,419-61.2% | $6,940-41.7% |