Filed March 13, 2023 (most recent of 3 filings on file)
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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 | $36,423 | $51,736-29.6% | $120,225-69.7% | $67,986-46.4% |
| Participation rate | 25.5% | 46.1%-20.6pp | 69.6%-44.1pp | 57.2%-31.7pp |
| Annual return | 15.29% | 31.98%-16.7pp | 439.23%-423.9pp | 31.67%-16.4pp |
| Employer contribution / active EE | $177 | $1,071-83.5% | $3,475-94.9% | $2,019-91.2% |
| Participant deferral / active EE | $1,452 | $2,206-34.2% | $3,999-63.7% | $3,358-56.8% |
| Admin fee / account holder | $1,888 | $4,159-54.6% | $5,696-66.9% | $3,203-41.1% |