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 | $58,275+8.8% | $81,844-22.5% | $80,935-21.7% |
| Participation rate | 38.7% | 63.5%-24.8pp | 72.4%-33.7pp | 67.7%-29.0pp |
| Annual return | 11.52% | 41.82%-30.3pp | 778.87%-767.4pp | 35.66%-24.1pp |
| Employer contribution / active EE | $1,404 | $2,346-40.2% | $2,916-51.9% | $2,757-49.1% |
| Participant deferral / active EE | $2,600 | $3,285-20.9% | $4,323-39.9% | $4,299-39.5% |
| Admin fee / account holder | $4,341 | $4,749-8.6% | $7,355-41.0% | $6,924-37.3% |