Filed December 15, 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 | $65,403 | $57,312+14.1% | $86,617-24.5% | $75,181-13.0% |
| Participation rate | 34.4% | 63.2%-28.8pp | 71.7%-37.3pp | 67.2%-32.8pp |
| Annual return | 22.49% | 2672.78%-2650.3pp | 591.91%-569.4pp | 160.69%-138.2pp |
| Employer contribution / active EE | $1,292 | $2,315-44.2% | $3,023-57.3% | $2,671-51.6% |
| Participant deferral / active EE | $2,702 | $3,319-18.6% | $4,437-39.1% | $4,126-34.5% |
| Admin fee / account holder | $1,137 | $4,114-72.4% | $5,613-79.7% | $5,650-79.9% |