Filed April 20, 2023
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,432 | $106,524-87.4% | $152,301-91.2% | $87,485-84.6% |
| Participation rate | 90.9% | 75.8%+15.2pp | 82.4%+8.5pp | 68.9%+22.0pp |
| Annual return | 19.07% | 26.89%-7.8pp | 80.50%-61.4pp | 26.06%-7.0pp |
| Employer contribution / active EE | $1,553 | $3,371-53.9% | $4,624-66.4% | $2,596-40.2% |
| Participant deferral / active EE | $3,107 | $6,525-52.4% | $8,004-61.2% | $4,274-27.3% |
| Admin fee / account holder | $1,050 | $8,287-87.3% | $14,398-92.7% | $7,775-86.5% |