Filed July 14, 2021
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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 | $20,498 | $86,050-76.2% | $189,758-89.2% | $94,015-78.2% |
| Participation rate | 63.2% | 68.9%-5.7pp | 79.8%-16.6pp | 70.8%-7.7pp |
| Annual return | 9.64% | 17.77%-8.1pp | 52.62%-43.0pp | 17.84%-8.2pp |
| Employer contribution / active EE | $828 | $2,819-70.6% | $4,767-82.6% | $2,790-70.3% |
| Participant deferral / active EE | $3,192 | $3,349-4.7% | $5,856-45.5% | $4,249-24.9% |
| Admin fee / account holder | $325 | $6,627-95.1% | $20,388-98.4% | $8,951-96.4% |