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 | $54,682 | $27,800+96.7% | $58,507-6.5% | $71,529-23.6% |
| Participation rate | 11.2% | 34.6%-23.4pp | 50.9%-39.6pp | 67.9%-56.7pp |
| Annual return | 14.52% | 26.80%-12.3pp | 4252.32%-4237.8pp | 28.97%-14.4pp |
| Employer contribution / active EE | $554 | $632-12.2% | $1,053-47.4% | $2,590-78.6% |
| Participant deferral / active EE | $509 | $1,208-57.8% | $1,922-73.5% | $4,291-88.1% |
| Admin fee / account holder | $3,050 | $1,637+86.3% | $2,486+22.7% | $1,588+92.0% |