Filed January 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 | $58,256 | $51,638+12.8% | $68,368-14.8% | $82,448-29.3% |
| Participation rate | 68.2% | 63.6%+4.6pp | 73.8%-5.5pp | 68.1%+0.2pp |
| Annual return | 24.87% | 37.53%-12.7pp | 292.57%-267.7pp | 41.64%-16.8pp |
| Employer contribution / active EE | $3,987 | $2,047+94.8% | $2,649+50.5% | $2,551+56.3% |
| Participant deferral / active EE | $5,307 | $2,914+82.1% | $4,123+28.7% | $4,139+28.2% |
| Admin fee / account holder | $5,870 | $4,643+26.4% | $5,150+14.0% | $7,234-18.9% |