Filed May 17, 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 | $40,479 | $74,535-45.7% | $100,712-59.8% | $82,637-51.0% |
| Participation rate | 67.3% | 61.2%+6.2pp | 69.3%-1.9pp | 68.1%-0.7pp |
| Annual return | 55.31% | 18.92%+36.4pp | 33.27%+22.0pp | 53.51%+1.8pp |
| Employer contribution / active EE | $1,422 | $1,503-5.3% | $2,313-38.5% | $2,552-44.3% |
| Participant deferral / active EE | $4,486 | $3,074+45.9% | $4,085+9.8% | $4,126+8.7% |
| Admin fee / account holder | $366 | $6,576-94.4% | $9,256-96.1% | $7,339-95.0% |