Filed November 10, 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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $129,589 | $68,878+88.1% | $120,574+7.5% | $80,935+60.1% |
| Participation rate | 47.4% | 61.7%-14.3pp | 71.9%-24.6pp | 67.7%-20.3pp |
| Annual return | 11.82% | 23.67%-11.9pp | 107.42%-95.6pp | 35.66%-23.8pp |
| Employer contribution / active EE | $2,062 | $2,065-0.1% | $3,471-40.6% | $2,757-25.2% |
| Participant deferral / active EE | $5,307 | $3,189+66.4% | $4,996+6.2% | $4,299+23.4% |
| Admin fee / account holder | $6,044 | $5,782+4.5% | $9,445-36.0% | $6,924-12.7% |