Filed August 23, 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 | $86,495 | $93,617-7.6% | $135,982-36.4% | $75,177+15.1% |
| Participation rate | 68.4% | 75.2%-6.8pp | 81.9%-13.5pp | 67.2%+1.2pp |
| Annual return | 40.51% | 30.89%+9.6pp | 68.32%-27.8pp | 160.75%-120.2pp |
| Employer contribution / active EE | $3,592 | $3,538+1.5% | $4,859-26.1% | $2,671+34.5% |
| Participant deferral / active EE | $7,802 | $6,406+21.8% | $7,760+0.5% | $4,126+89.1% |
| Admin fee / account holder | $14,721 | $6,980+110.9% | $10,767+36.7% | $5,651+160.5% |