Filed January 6, 2023 (most recent of 2 filings on file)
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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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,342 | $65,453-32.3% | $86,698-48.9% | $66,938-33.8% |
| Participation rate | 60.4% | 75.5%-15.0pp | 76.6%-16.1pp | 69.8%-9.4pp |
| Annual return | -12.32% | -10.89%-1.4pp | 35.95%-48.3pp | 1.58%-13.9pp |
| Employer contribution / active EE | $675 | $2,154-68.7% | $2,837-76.2% | $2,545-73.5% |
| Participant deferral / active EE | $4,253 | $4,102+3.7% | $4,656-8.6% | $4,238+0.4% |
| Admin fee / account holder | $409 | $642-36.3% | $7,493-94.5% | $594-31.2% |