Filed January 13, 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 | $71,798 | $176,120-59.2% | $159,487-55.0% | $167,553-57.1% |
| Participation rate | 58.3% | 85.0%-26.6pp | 82.8%-24.5pp | 82.1%-23.8pp |
| Annual return | 11.57% | 331.95%-320.4pp | 263.71%-252.1pp | 478.89%-467.3pp |
| Employer contribution / active EE | $2,939 | $5,299-44.5% | $4,831-39.2% | $4,840-39.3% |
| Participant deferral / active EE | $4,256 | $7,752-45.1% | $7,354-42.1% | $6,343-32.9% |
| Admin fee / account holder | $385 | $12,561-96.9% | $10,804-96.4% | $12,316-96.9% |