Filed February 1, 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 | $37,652 | $80,332-53.1% | $107,187-64.9% | $64,097-41.3% |
| Participation rate | 37.8% | 54.4%-16.6pp | 75.0%-37.2pp | 55.2%-17.4pp |
| Annual return | 16.80% | 24.26%-7.5pp | 204.55%-187.8pp | 34.64%-17.8pp |
| Employer contribution / active EE | $731 | $2,501-70.8% | $3,782-80.7% | $1,891-61.4% |
| Participant deferral / active EE | $1,590 | $3,109-48.9% | $5,096-68.8% | $3,080-48.4% |
| Admin fee / account holder | $1,994 | $4,314-53.8% | $9,162-78.2% | $3,454-42.3% |