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 | $28,231 | $53,774-47.5% | $134,162-79.0% | $79,856-64.6% |
| Participation rate | 27.9% | 58.8%-30.9pp | 72.2%-44.3pp | 69.6%-41.7pp |
| Annual return | 17.40% | 19.01%-1.6pp | 36.35%-18.9pp | 31.71%-14.3pp |
| Employer contribution / active EE | $200 | $1,322-84.8% | $3,705-94.6% | $2,471-91.9% |
| Participant deferral / active EE | $1,846 | $2,420-23.7% | $3,500-47.3% | $3,741-50.7% |
| Admin fee / account holder | $2,575 | $3,985-35.4% | $6,685-61.5% | $5,306-51.5% |