Filed January 20, 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.)
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 | $63,406 | $58,241+8.9% | $81,780-22.5% | $80,911-21.6% |
| Participation rate | 38.7% | 63.4%-24.8pp | 72.4%-33.7pp | 67.6%-29.0pp |
| Annual return | 11.52% | 41.73%-30.2pp | 776.27%-764.7pp | 35.63%-24.1pp |
| Employer contribution / active EE | $1,404 | $2,343-40.1% | $2,914-51.8% | $2,756-49.1% |
| Participant deferral / active EE | $2,600 | $3,283-20.8% | $4,321-39.8% | $4,297-39.5% |
| Admin fee / account holder | $4,341 | $4,973-12.7% | $7,384-41.2% | $6,935-37.4% |