Filed March 19, 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 | $66,646 | $75,541-11.8% | $152,093-56.2% | $82,637-19.4% |
| Participation rate | 23.3% | 66.5%-43.2pp | 77.8%-54.4pp | 68.1%-44.7pp |
| Annual return | 7.41% | 32.56%-25.1pp | 66.36%-58.9pp | 53.51%-46.1pp |
| Employer contribution / active EE | $935 | $2,622-64.4% | $4,175-77.6% | $2,552-63.4% |
| Participant deferral / active EE | $1,454 | $3,206-54.7% | $5,451-73.3% | $4,126-64.8% |
| Admin fee / account holder | $9,147 | $6,405+42.8% | $14,497-36.9% | $7,339+24.6% |