Filed October 4, 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 | $79,329 | $156,927-49.4% | $121,169-34.5% | $139,456-43.1% |
| Participation rate | 23.8% | 76.4%-52.6pp | 69.5%-45.7pp | 80.3%-56.5pp |
| Annual return | 16.84% | 1475.85%-1459.0pp | 986.71%-969.9pp | 373.45%-356.6pp |
| Employer contribution / active EE | $0 | $5,542-100.0% | $4,168-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $1,827 | $4,848-62.3% | $4,083-55.3% | $6,711-72.8% |
| Admin fee / account holder | $1,105 | $6,946-84.1% | $5,645-80.4% | $11,407-90.3% |