Filed December 22, 2022
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,024 | $61,660-38.3% | $80,022-52.5% | $64,181-40.8% |
| Participation rate | 100.0% | 71.7%+28.3pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | -9.96% | -0.33%-9.6pp | 11.22%-21.2pp | 7.63%-17.6pp |
| Employer contribution / active EE | $10,876 | $1,810+500.8% | $2,468+340.7% | $2,381+356.9% |
| Participant deferral / active EE | $10,373 | $2,968+249.6% | $3,686+181.4% | $3,470+199.0% |
| Admin fee / account holder | $2,492 | $5,417-54.0% | $6,521-61.8% | $4,887-49.0% |