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 | $70,366 | $81,208-13.4% | $98,916-28.9% | $79,858-11.9% |
| Participation rate | 57.1% | 72.5%-15.4pp | 76.0%-18.9pp | 69.6%-12.5pp |
| Annual return | 15.53% | 60.99%-45.5pp | 196.45%-180.9pp | 31.72%-16.2pp |
| Employer contribution / active EE | $1,572 | $1,960-19.8% | $2,689-41.6% | $2,471-36.4% |
| Participant deferral / active EE | $2,179 | $3,265-33.3% | $4,245-48.7% | $3,740-41.8% |
| Admin fee / account holder | $754 | $6,013-87.5% | $6,642-88.6% | $5,306-85.8% |