Filed March 17, 2023
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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 | $18,982 | $106,247-82.1% | $96,515-80.3% | $139,466-86.4% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 18.06% | 38.47%-20.4pp | 35.73%-17.7pp | 373.66%-355.6pp |
| Employer contribution / active EE | $4,978 | $4,106+21.2% | $3,740+33.1% | $4,754+4.7% |
| Participant deferral / active EE | $8,669 | $5,456+58.9% | $4,880+77.7% | $6,712+29.2% |
| Admin fee / account holder | $426 | $7,885-94.6% | $6,735-93.7% | $11,409-96.3% |