Filed December 15, 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 | $78,509 | $94,436-16.9% | $115,599-32.1% | $82,637-5.0% |
| Participation rate | 51.2% | 70.4%-19.2pp | 74.3%-23.1pp | 68.1%-16.8pp |
| Annual return | 18.08% | 18.37%-0.3pp | 111.10%-93.0pp | 53.51%-35.4pp |
| Employer contribution / active EE | $1,887 | $2,324-18.8% | $2,955-36.1% | $2,552-26.1% |
| Participant deferral / active EE | $2,883 | $3,955-27.1% | $4,889-41.0% | $4,126-30.1% |
| Admin fee / account holder | $919 | $10,328-91.1% | $12,841-92.8% | $7,339-87.5% |