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 | $94,031-16.5% | $115,768-32.2% | $82,448-4.8% |
| Participation rate | 51.2% | 70.4%-19.2pp | 74.4%-23.2pp | 68.1%-16.8pp |
| Annual return | 18.08% | 20.61%-2.5pp | 100.46%-82.4pp | 41.64%-23.6pp |
| Employer contribution / active EE | $1,887 | $2,323-18.8% | $2,940-35.8% | $2,551-26.0% |
| Participant deferral / active EE | $2,883 | $3,972-27.4% | $4,917-41.4% | $4,139-30.3% |
| Admin fee / account holder | $919 | $10,249-91.0% | $12,439-92.6% | $7,234-87.3% |