Filed March 28, 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,872 | $60,393-25.7% | $81,820-45.2% | $74,429-39.7% |
| Participation rate | 47.6% | 62.9%-15.3pp | 72.4%-24.8pp | 67.2%-19.6pp |
| Annual return | 14.13% | 16.89%-2.8pp | 777.93%-763.8pp | 1368.38%-1354.3pp |
| Employer contribution / active EE | $1,232 | $2,626-53.1% | $2,915-57.7% | $2,625-53.1% |
| Participant deferral / active EE | $1,683 | $3,397-50.5% | $4,323-61.1% | $4,348-61.3% |
| Admin fee / account holder | $943 | $1,491-36.7% | $7,391-87.2% | $1,944-51.5% |