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 | $41,493 | $58,828-29.5% | $78,002-46.8% | $62,881-34.0% |
| Participation rate | 40.0% | 71.1%-31.1pp | 75.5%-35.5pp | 69.3%-29.3pp |
| Annual return | 4.86% | 17.16%-12.3pp | 425.99%-421.1pp | 20.14%-15.3pp |
| Employer contribution / active EE | $972 | $1,672-41.8% | $2,470-60.6% | $2,281-57.4% |
| Participant deferral / active EE | $1,442 | $2,686-46.3% | $3,497-58.8% | $3,203-55.0% |
| Admin fee / account holder | $4,745 | $4,393+8.0% | $5,481-13.4% | $4,296+10.5% |