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 | $54,558-43.7% | $76,051-59.6% | $74,400-58.7% |
| Participation rate | 62.7% | 60.3%+2.4pp | 69.1%-6.3pp | 67.2%-4.5pp |
| Annual return | 16.35% | 31.83%-15.5pp | 360.42%-344.1pp | 1367.51%-1351.2pp |
| Employer contribution / active EE | $1,530 | $1,778-13.9% | $2,690-43.1% | $2,624-41.7% |
| Participant deferral / active EE | $4,230 | $3,065+38.0% | $4,257-0.6% | $4,348-2.7% |
| Admin fee / account holder | $2,932 | $2,232+31.4% | $6,416-54.3% | $1,944+50.8% |