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 | $87,141 | $58,241+49.6% | $81,780+6.6% | $80,911+7.7% |
| Participation rate | 27.5% | 63.4%-35.9pp | 72.4%-44.9pp | 67.6%-40.1pp |
| Annual return | 19.48% | 41.73%-22.2pp | 776.27%-756.8pp | 35.63%-16.1pp |
| Employer contribution / active EE | $1,184 | $2,343-49.5% | $2,914-59.4% | $2,756-57.0% |
| Participant deferral / active EE | $2,526 | $3,283-23.0% | $4,321-41.5% | $4,297-41.2% |
| Admin fee / account holder | $4,517 | $4,973-9.2% | $7,384-38.8% | $6,935-34.9% |