Filed January 26, 2021
Total covered: 5 employees
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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 | $30,732 | $54,679-43.8% | $76,119-59.6% | $74,459-58.7% |
| Participation rate | 62.7% | 60.3%+2.4pp | 69.1%-6.3pp | 67.2%-4.5pp |
| Annual return | 16.35% | 31.90%-15.6pp | 361.25%-344.9pp | 1369.70%-1353.4pp |
| Employer contribution / active EE | $1,530 | $1,781-14.1% | $2,693-43.2% | $2,626-41.7% |
| Participant deferral / active EE | $4,230 | $3,072+37.7% | $4,259-0.7% | $4,350-2.7% |
| Admin fee / account holder | $2,932 | $2,238+31.0% | $6,421-54.3% | $1,945+50.8% |