Filed January 31, 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 | $181,598 | $57,073+218.2% | $85,126+113.3% | $80,925+124.4% |
| Participation rate | 67.6% | 56.4%+11.2pp | 67.5%+0.1pp | 67.7%0pp |
| Annual return | 14.06% | 21.69%-7.6pp | 66.63%-52.6pp | 35.65%-21.6pp |
| Employer contribution / active EE | $13,832 | $1,801+668.2% | $2,731+406.4% | $2,756+401.8% |
| Participant deferral / active EE | $11,469 | $3,113+268.4% | $4,523+153.6% | $4,299+166.8% |
| Admin fee / account holder | $1,186 | $4,988-76.2% | $6,160-80.7% | $6,940-82.9% |