Filed September 24, 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 | $37,244 | $82,133-54.7% | $147,318-74.7% | $64,097-41.9% |
| Participation rate | 31.5% | 62.3%-30.8pp | 82.1%-50.6pp | 55.2%-23.7pp |
| Annual return | 18.52% | 78.78%-60.3pp | 70.43%-51.9pp | 34.64%-16.1pp |
| Employer contribution / active EE | $1,009 | $2,872-64.9% | $4,593-78.0% | $1,891-46.7% |
| Participant deferral / active EE | $1,368 | $5,407-74.7% | $7,906-82.7% | $3,080-55.6% |
| Admin fee / account holder | $724 | $3,730-80.6% | $13,708-94.7% | $3,454-79.0% |