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 | $57,140+217.8% | $85,240+113.0% | $80,959+124.3% |
| Participation rate | 67.6% | 56.4%+11.2pp | 67.5%+0.1pp | 67.7%0pp |
| Annual return | 14.06% | 21.71%-7.7pp | 66.75%-52.7pp | 35.67%-21.6pp |
| Employer contribution / active EE | $13,832 | $1,802+667.6% | $2,735+405.7% | $2,757+401.7% |
| Participant deferral / active EE | $11,469 | $3,115+268.2% | $4,527+153.3% | $4,300+166.7% |
| Admin fee / account holder | $1,186 | $4,992-76.2% | $6,165-80.8% | $6,925-82.9% |