Filed March 22, 2021
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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 | $22,530 | $46,732-51.8% | $156,551-85.6% | $55,167-59.2% |
| Participation rate | 32.7% | 65.8%-33.1pp | 84.0%-51.3pp | 69.0%-36.3pp |
| Annual return | 14.23% | 17.72%-3.5pp | 32.23%-18.0pp | 169.23%-155.0pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $767 | $2,204-65.2% | $4,871-84.2% | $3,054-74.9% |
| Admin fee / account holder | $1,834 | $418+338.3% | $13,028-85.9% | $504+263.9% |