Filed July 13, 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 | $25,904 | $135,956-80.9% | $123,894-79.1% | $273,972-90.5% |
| Participation rate | 63.6% | 84.1%-20.4pp | 81.4%-17.8pp | 83.0%-19.4pp |
| Annual return | 3.00% | 56.63%-53.6pp | 47.52%-44.5pp | 41.46%-38.5pp |
| Employer contribution / active EE | $1,278 | $5,170-75.3% | $4,617-72.3% | $4,869-73.8% |
| Participant deferral / active EE | $3,001 | $6,343-52.7% | $5,984-49.9% | $5,287-43.2% |
| Admin fee / account holder | $1,358 | $9,817-86.2% | $8,357-83.8% | $10,133-86.6% |