Filed December 16, 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.)
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,480 | $133,981-89.2% | $112,249-87.1% | $134,532-89.2% |
| Participation rate | 65.0% | 78.6%-13.6pp | 75.1%-10.1pp | 81.2%-16.2pp |
| Annual return | -21.39% | 47.16%-68.6pp | 27.48%-48.9pp | 418.27%-439.7pp |
| Employer contribution / active EE | $1,553 | $4,040-61.6% | $3,636-57.3% | $4,741-67.2% |
| Participant deferral / active EE | $2,812 | $5,292-46.9% | $4,729-40.5% | $6,401-56.1% |
| Admin fee / account holder | $1,529 | $7,492-79.6% | $6,412-76.2% | $11,429-86.6% |