Filed June 16, 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.)
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 | $123,390 | $76,551+61.2% | $123,894-0.4% | $62,881+96.2% |
| Participation rate | 40.7% | 73.0%-32.3pp | 81.4%-40.7pp | 69.3%-28.6pp |
| Annual return | 2.98% | 18.68%-15.7pp | 47.52%-44.5pp | 20.14%-17.2pp |
| Employer contribution / active EE | $913 | $2,882-68.3% | $4,617-80.2% | $2,281-60.0% |
| Participant deferral / active EE | $2,047 | $4,840-57.7% | $5,984-65.8% | $3,203-36.1% |
| Admin fee / account holder | $2,080 | $4,826-56.9% | $8,357-75.1% | $4,296-51.6% |