Filed June 23, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $70,636 | $64,359+9.8% | $90,161-21.7% | $70,126+0.7% |
| Participation rate | 68.4% | 70.4%-2.0pp | 76.9%-8.5pp | 69.5%-1.1pp |
| Annual return | 13.71% | 28.13%-14.4pp | 34.89%-21.2pp | 73.15%-59.4pp |
| Employer contribution / active EE | $1,338 | $2,046-34.6% | $3,318-59.7% | $2,343-42.9% |
| Participant deferral / active EE | $3,319 | $4,389-24.4% | $5,287-37.2% | $3,332-0.4% |
| Admin fee / account holder | $1,587 | $3,945-59.8% | $5,943-73.3% | $4,645-65.8% |