Filed March 6, 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.)
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,267 | $83,485+51.2% | $125,195+0.9% | $72,976+73.0% |
| Participation rate | 68.9% | 73.3%-4.4pp | 79.8%-10.9pp | 69.5%-0.6pp |
| Annual return | 8.92% | 25.77%-16.8pp | 43.79%-34.9pp | 81.02%-72.1pp |
| Employer contribution / active EE | $2,375 | $2,346+1.2% | $3,866-38.6% | $2,440-2.7% |
| Participant deferral / active EE | $5,125 | $3,586+42.9% | $4,937+3.8% | $3,608+42.1% |
| Admin fee / account holder | $372 | $5,518-93.3% | $9,704-96.2% | $5,124-92.7% |