Filed September 23, 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.)
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 | $49,168 | $55,889-12.0% | $76,119-35.4% | $80,935-39.3% |
| Participation rate | 36.2% | 62.1%-25.8pp | 69.1%-32.8pp | 67.7%-31.4pp |
| Annual return | 12.03% | 20.58%-8.6pp | 361.25%-349.2pp | 35.66%-23.6pp |
| Employer contribution / active EE | $788 | $1,866-57.7% | $2,693-70.7% | $2,757-71.4% |
| Participant deferral / active EE | $1,699 | $3,051-44.3% | $4,259-60.1% | $4,299-60.5% |
| Admin fee / account holder | $4,320 | $5,241-17.6% | $6,421-32.7% | $6,924-37.6% |