Filed March 10, 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 | $26,942 | $72,177-62.7% | $115,037-76.6% | $59,632-54.8% |
| Participation rate | 69.2% | 72.6%-3.3pp | 81.4%-12.1pp | 68.7%+0.6pp |
| Annual return | -0.97% | 12.02%-13.0pp | 26.14%-27.1pp | 2041.32%-2042.3pp |
| Employer contribution / active EE | $528 | $2,841-81.4% | $4,608-88.5% | $2,203-76.0% |
| Participant deferral / active EE | $2,266 | $4,783-52.6% | $6,026-62.4% | $3,192-29.0% |
| Admin fee / account holder | $7,494 | $4,927+52.1% | $8,175-8.3% | $4,297+74.4% |