Filed December 8, 2021
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $23,707 | $102,422-76.9% | $147,117-83.9% | $80,959-70.7% |
| Participation rate | 91.3% | 75.9%+15.4pp | 82.2%+9.1pp | 67.7%+23.6pp |
| Annual return | 13.98% | 135.16%-121.2pp | 420.54%-406.6pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,236 | $3,717-66.8% | $4,932-74.9% | $2,757-55.2% |
| Participant deferral / active EE | $3,595 | $6,652-46.0% | $8,065-55.4% | $4,300-16.4% |
| Admin fee / account holder | $1,260 | $7,953-84.2% | $12,993-90.3% | $6,925-81.8% |