Filed February 21, 2022
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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 | $43,114 | $57,590-25.1% | $86,233-50.0% | $82,448-47.7% |
| Participation rate | 68.1% | 57.9%+10.2pp | 69.0%-0.9pp | 68.1%0pp |
| Annual return | 22.91% | 22.41%+0.5pp | 61.39%-38.5pp | 41.64%-18.7pp |
| Employer contribution / active EE | $1,799 | $1,655+8.7% | $2,504-28.2% | $2,551-29.5% |
| Participant deferral / active EE | $4,282 | $3,080+39.0% | $4,559-6.1% | $4,139+3.5% |
| Admin fee / account holder | $706 | $4,730-85.1% | $8,342-91.5% | $7,234-90.2% |