Filed September 5, 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 | $99,726 | $39,126+154.9% | $57,181+74.4% | $62,891+58.6% |
| Participation rate | 10.2% | 70.5%-60.3pp | 75.3%-65.1pp | 69.3%-59.1pp |
| Annual return | 4.94% | 9.24%-4.3pp | 14.59%-9.6pp | 20.14%-15.2pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,682-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,574 | $2,374-33.7% | $3,096-49.2% | $3,203-50.9% |
| Admin fee / account holder | $11,671 | $2,593+350.1% | $3,139+271.8% | $4,296+171.7% |