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 | $37,668 | $49,896-24.5% | $80,627-53.3% | $75,173-49.9% |
| Participation rate | 58.1% | 55.3%+2.7pp | 67.0%-8.9pp | 67.2%-9.1pp |
| Annual return | 20.20% | 34.67%-14.5pp | 936.76%-916.6pp | 160.72%-140.5pp |
| Employer contribution / active EE | $1,881 | $1,699+10.7% | $2,723-30.9% | $2,671-29.6% |
| Participant deferral / active EE | $4,607 | $2,992+54.0% | $4,443+3.7% | $4,126+11.6% |
| Admin fee / account holder | $2,036 | $3,578-43.1% | $5,381-62.2% | $5,651-64.0% |