Filed August 18, 2022
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $52,649 | $85,766-38.6% | $136,298-61.4% | $70,126-24.9% |
| Participation rate | 32.9% | 74.2%-41.2pp | 81.9%-49.0pp | 69.5%-36.6pp |
| Annual return | 18.18% | 31.46%-13.3pp | 5156.27%-5138.1pp | 73.15%-55.0pp |
| Employer contribution / active EE | $843 | $2,966-71.6% | $4,696-82.0% | $2,343-64.0% |
| Participant deferral / active EE | $1,745 | $5,051-65.5% | $6,247-72.1% | $3,332-47.6% |
| Admin fee / account holder | $1,102 | $5,421-79.7% | $9,244-88.1% | $4,645-76.3% |