Filed July 7, 2022
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $43,864 | $36,767+19.3% | $81,473-46.2% | $62,293-29.6% |
| Participation rate | 30.4% | 54.4%-24.0pp | 68.0%-37.5pp | 69.5%-39.1pp |
| Annual return | 0.00% | 173.80%-173.8pp | 38.78%-38.8pp | 28.90%-28.9pp |
| Employer contribution / active EE | $82 | $1,128-92.7% | $2,568-96.8% | $2,042-96.0% |
| Participant deferral / active EE | $681 | $2,111-67.7% | $3,537-80.8% | $3,169-78.5% |
| Admin fee / account holder | $1,481 | $797+85.7% | $4,561-67.5% | $479+208.9% |