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 | $49,254 | $67,411-26.9% | $91,004-45.9% | $70,126-29.8% |
| Participation rate | 53.6% | 71.4%-17.8pp | 75.6%-22.0pp | 69.5%-16.0pp |
| Annual return | 25.94% | -40.16%+66.1pp | 4.60%+21.3pp | 73.15%-47.2pp |
| Employer contribution / active EE | $1,591 | $1,786-10.9% | $2,456-35.2% | $2,343-32.1% |
| Participant deferral / active EE | $2,229 | $2,823-21.0% | $3,548-37.2% | $3,332-33.1% |
| Admin fee / account holder | $516 | $4,236-87.8% | $5,417-90.5% | $4,645-88.9% |