Filed July 13, 2022
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,079 | $38,365+54.0% | $84,623-30.2% | $65,185-9.4% |
| Participation rate | 11.2% | 55.7%-44.5pp | 68.2%-57.0pp | 70.2%-59.0pp |
| Annual return | 48.36% | 32.00%+16.4pp | 258.77%-210.4pp | 29.38%+19.0pp |
| Employer contribution / active EE | $190 | $1,258-84.9% | $2,652-92.8% | $2,177-91.3% |
| Participant deferral / active EE | $1,028 | $2,278-54.9% | $3,899-73.6% | $3,514-70.7% |
| Admin fee / account holder | $2,560 | $451+467.1% | $4,913-47.9% | $847+202.1% |