Filed February 7, 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 | $31,448 | $106,008-70.3% | $92,240-65.9% | $147,586-78.7% |
| Participation rate | 36.8% | 80.4%-43.6pp | 76.5%-39.6pp | 82.8%-46.0pp |
| Annual return | 20.97% | 50.05%-29.1pp | 176.29%-155.3pp | 578.59%-557.6pp |
| Employer contribution / active EE | $819 | $4,333-81.1% | $3,680-77.7% | $4,876-83.2% |
| Participant deferral / active EE | $1,542 | $4,478-65.6% | $3,897-60.4% | $5,439-71.7% |
| Admin fee / account holder | $5,177 | $6,333-18.3% | $5,194-0.3% | $10,886-52.4% |