Filed September 5, 2023
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $38,506 | $144,511-73.4% | $67,560-43.0% | - |
| Participation rate | 46.5% | 69.6%-23.2pp | 72.9%-26.5pp | - |
| Annual return | 22.84% | 20.85%+2.0pp | 3533.50%-3510.7pp | - |
| Employer contribution / active EE | $998 | $2,331-57.2% | $2,737-63.5% | - |
| Participant deferral / active EE | $1,341 | $3,447-61.1% | $4,004-66.5% | - |
| Admin fee / account holder | $1,995 | $8,271-75.9% | $3,994-50.0% | - |