Filed August 25, 2023
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $80,624 | $106,749-24.5% | $145,433-44.6% | $82,448-2.2% |
| Participation rate | 56.0% | 75.6%-19.6pp | 82.1%-26.1pp | 68.1%-12.1pp |
| Annual return | 18.43% | 27.59%-9.2pp | 66.58%-48.1pp | 41.64%-23.2pp |
| Employer contribution / active EE | $638 | $3,444-81.5% | $4,554-86.0% | $2,551-75.0% |
| Participant deferral / active EE | $10,447 | $6,519+60.3% | $7,897+32.3% | $4,139+152.4% |
| Admin fee / account holder | $1,962 | $8,390-76.6% | $13,129-85.1% | $7,234-72.9% |