Filed June 16, 2023
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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).
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 | $26,441 | $42,396-37.6% | $67,313-60.7% | $56,287-53.0% |
| Participation rate | 90.2% | 61.0%+29.2pp | 69.1%+21.1pp | 69.9%+20.3pp |
| Annual return | -7.94% | -36.63%+28.7pp | -4.08%-3.9pp | -9.96%+2.0pp |
| Employer contribution / active EE | $2,176 | $1,414+54.0% | $2,566-15.2% | $2,111+3.1% |
| Participant deferral / active EE | $3,895 | $2,360+65.1% | $3,568+9.1% | $3,350+16.3% |
| Admin fee / account holder | $421 | $510-17.4% | $4,507-90.7% | $521-19.1% |