Filed March 7, 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 | $85,026 | $88,672-4.1% | $105,223-19.2% | $82,448+3.1% |
| Participation rate | 68.0% | 67.9%+0.1pp | 75.0%-7.0pp | 68.1%-0.1pp |
| Annual return | 27.05% | 30.86%-3.8pp | 180.65%-153.6pp | 41.64%-14.6pp |
| Employer contribution / active EE | $4,041 | $3,048+32.6% | $3,689+9.6% | $2,551+58.4% |
| Participant deferral / active EE | $8,757 | $4,036+117.0% | $5,072+72.7% | $4,139+111.6% |
| Admin fee / account holder | $3,186 | $7,146-55.4% | $8,859-64.0% | $7,234-56.0% |