Filed July 13, 2023
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $79,176 | $83,843-5.6% | $123,973-36.1% | $65,306+21.2% |
| Participation rate | 42.4% | 56.0%-13.5pp | 76.7%-34.2pp | 57.7%-15.2pp |
| Annual return | 14.15% | 19.87%-5.7pp | 388.13%-374.0pp | 21.94%-7.8pp |
| Employer contribution / active EE | $0 | $2,873-100.0% | $4,126-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $2,302 | $2,997-23.2% | $5,247-56.1% | $2,959-22.2% |
| Admin fee / account holder | $10,391 | $4,735+119.4% | $11,799-11.9% | $3,480+198.6% |