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 | $36,358 | $49,177-26.1% | $79,476-54.3% | $64,181-43.4% |
| Participation rate | 54.5% | 65.0%-10.5pp | 73.3%-18.8pp | 69.6%-15.0pp |
| Annual return | -3.37% | -1.16%-2.2pp | 718.21%-721.6pp | 7.63%-11.0pp |
| Employer contribution / active EE | $1,162 | $2,076-44.0% | $2,800-58.5% | $2,381-51.2% |
| Participant deferral / active EE | $2,217 | $2,821-21.4% | $3,704-40.1% | $3,470-36.1% |
| Admin fee / account holder | $710 | $3,839-81.5% | $5,113-86.1% | $4,887-85.5% |