Filed October 21, 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 | $25,349 | $31,388-19.2% | $73,550-65.5% | $62,293-59.3% |
| Participation rate | 17.2% | 39.9%-22.6pp | 54.9%-37.7pp | 69.5%-52.3pp |
| Annual return | 26.36% | 25.34%+1.0pp | -15.16%+41.5pp | 28.90%-2.5pp |
| Employer contribution / active EE | $439 | $498-11.9% | $1,219-64.0% | $2,042-78.5% |
| Participant deferral / active EE | $698 | $1,028-32.1% | $1,804-61.3% | $3,169-78.0% |
| Admin fee / account holder | $408 | $299+36.4% | $2,320-82.4% | $479-14.8% |