Filed March 11, 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 | $77,867 | $63,314+23.0% | $91,004-14.4% | $62,293+25.0% |
| Participation rate | 69.5% | 73.3%-3.8pp | 75.6%-6.1pp | 69.5%0pp |
| Annual return | 21.52% | 21.00%+0.5pp | 4.60%+16.9pp | 28.90%-7.4pp |
| Employer contribution / active EE | $2,258 | $1,807+25.0% | $2,456-8.0% | $2,042+10.6% |
| Participant deferral / active EE | $5,422 | $2,944+84.2% | $3,548+52.8% | $3,169+71.1% |
| Admin fee / account holder | $3,048 | $468+551.8% | $5,417-43.7% | $479+535.8% |