Filed August 15, 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 | $66,873 | $39,162+70.8% | $100,671-33.6% | $59,633+12.1% |
| Participation rate | 58.8% | 55.9%+3.0pp | 70.7%-11.9pp | 68.7%-9.8pp |
| Annual return | -0.99% | 21.07%-22.1pp | 20.43%-21.4pp | 2041.40%-2042.4pp |
| Employer contribution / active EE | $1,560 | $1,151+35.6% | $4,012-61.1% | $2,203-29.2% |
| Participant deferral / active EE | $3,581 | $1,992+79.8% | $3,144+13.9% | $3,192+12.2% |
| Admin fee / account holder | $4,784 | $2,969+61.1% | $4,850-1.4% | $4,297+11.3% |