Filed June 8, 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 | $31,077 | $57,352-45.8% | $83,830-62.9% | $64,173-51.6% |
| Participation rate | 56.8% | 68.6%-11.8pp | 76.1%-19.4pp | 69.6%-12.8pp |
| Annual return | -9.09% | 11.38%-20.5pp | 850.97%-860.1pp | 7.63%-16.7pp |
| Employer contribution / active EE | $617 | $2,546-75.8% | $3,631-83.0% | $2,381-74.1% |
| Participant deferral / active EE | $3,070 | $2,993+2.6% | $4,082-24.8% | $3,470-11.5% |
| Admin fee / account holder | $911 | $4,046-77.5% | $5,479-83.4% | $4,887-81.4% |