Filed July 22, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $101,400 | $84,236+20.4% | $170,435-40.5% | $70,126+44.6% |
| Participation rate | 40.9% | 70.8%-29.9pp | 83.6%-42.7pp | 69.5%-28.6pp |
| Annual return | 9.97% | 23.06%-13.1pp | 205.94%-196.0pp | 73.15%-63.2pp |
| Employer contribution / active EE | $2,322 | $3,387-31.4% | $5,432-57.3% | $2,343-0.9% |
| Participant deferral / active EE | $3,011 | $3,086-2.4% | $4,939-39.0% | $3,332-9.6% |
| Admin fee / account holder | $1,057 | $5,698-81.5% | $13,881-92.4% | $4,645-77.3% |