Filed January 17, 2023
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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 | $93,687 | $114,119-17.9% | $107,187-12.6% | $138,895-32.5% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 79.9%-13.3pp |
| Annual return | 16.41% | 273.21%-256.8pp | 204.55%-188.1pp | 145.39%-129.0pp |
| Employer contribution / active EE | $3,007 | $4,059-25.9% | $3,782-20.5% | $4,194-28.3% |
| Participant deferral / active EE | $11,059 | $5,538+99.7% | $5,096+117.0% | $6,396+72.9% |
| Admin fee / account holder | $9,704 | $10,024-3.2% | $9,162+5.9% | $12,562-22.7% |