Filed June 1, 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 | $16,805 | $58,848-71.4% | $88,179-80.9% | $82,637-79.7% |
| Participation rate | 66.7% | 57.9%+8.8pp | 69.1%-2.5pp | 68.1%-1.4pp |
| Annual return | 19.44% | 22.76%-3.3pp | 64.97%-45.5pp | 53.51%-34.1pp |
| Employer contribution / active EE | $1,332 | $1,678-20.6% | $2,549-47.7% | $2,552-47.8% |
| Participant deferral / active EE | $2,640 | $3,124-15.5% | $4,614-42.8% | $4,126-36.0% |
| Admin fee / account holder | $2,446 | $4,795-49.0% | $7,673-68.1% | $7,339-66.7% |