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.)
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 | $80,478 | $58,093+38.5% | $80,022+0.6% | $56,287+43.0% |
| Participation rate | 64.3% | 73.6%-9.3pp | 75.8%-11.5pp | 69.9%-5.6pp |
| Annual return | -6.89% | 34.63%-41.5pp | 11.22%-18.1pp | -9.96%+3.1pp |
| Employer contribution / active EE | $2,233 | $1,933+15.5% | $2,468-9.5% | $2,111+5.8% |
| Participant deferral / active EE | $5,194 | $3,136+65.6% | $3,686+40.9% | $3,350+55.1% |
| Admin fee / account holder | $2,434 | $623+290.9% | $6,521-62.7% | $521+367.2% |