Filed September 15, 2021
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,203 | $52,450-84.4% | $129,384-93.7% | $74,459-89.0% |
| Participation rate | 93.8% | 53.8%+40.0pp | 69.6%+24.2pp | 67.2%+26.6pp |
| Annual return | 12.72% | 15.65%-2.9pp | 9461.77%-9449.1pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $696 | $1,532-54.6% | $4,153-83.2% | $2,626-73.5% |
| Participant deferral / active EE | $1,224 | $2,797-56.2% | $4,166-70.6% | $4,350-71.9% |
| Admin fee / account holder | $549 | $2,636-79.2% | $7,686-92.9% | $1,945-71.8% |