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 | $60,454-25.8% | $81,844-45.2% | $74,459-39.7% |
| Participation rate | 47.6% | 63.0%-15.4pp | 72.4%-24.8pp | 67.2%-19.6pp |
| Annual return | 14.13% | 16.87%-2.7pp | 778.87%-764.7pp | 1369.70%-1355.6pp |
| Employer contribution / active EE | $1,232 | $2,630-53.2% | $2,916-57.8% | $2,626-53.1% |
| Participant deferral / active EE | $1,683 | $3,398-50.5% | $4,323-61.1% | $4,350-61.3% |
| Admin fee / account holder | $943 | $1,490-36.7% | $7,355-87.2% | $1,945-51.5% |