Filed March 1, 2023
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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 | $90,849 | $43,338+109.6% | $59,887+51.7% | $64,173+41.6% |
| Participation rate | 12.8% | 69.2%-56.4pp | 74.7%-61.9pp | 69.6%-56.8pp |
| Annual return | 14.58% | -1.55%+16.1pp | 3.46%+11.1pp | 7.63%+6.9pp |
| Employer contribution / active EE | $182 | $2,030-91.0% | $2,722-93.3% | $2,381-92.3% |
| Participant deferral / active EE | $1,631 | $2,547-36.0% | $3,402-52.1% | $3,470-53.0% |
| Admin fee / account holder | $665 | $3,007-77.9% | $3,591-81.5% | $4,887-86.4% |