Filed October 6, 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.)
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 | $33,116 | $60,349-45.1% | $74,184-55.4% | $62,881-47.3% |
| Participation rate | 52.4% | 72.7%-20.3pp | 76.6%-24.2pp | 69.3%-16.9pp |
| Annual return | 9.20% | 21.38%-12.2pp | 17.74%-8.5pp | 20.14%-10.9pp |
| Employer contribution / active EE | $1,492 | $1,680-11.2% | $2,370-37.0% | $2,281-34.6% |
| Participant deferral / active EE | $3,836 | $2,856+34.3% | $3,550+8.1% | $3,203+19.8% |
| Admin fee / account holder | $3,012 | $4,261-29.3% | $5,586-46.1% | $4,296-29.9% |