Filed August 19, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $88,869 | $102,382-13.2% | $147,005-39.5% | $80,874+9.9% |
| Participation rate | 54.0% | 75.8%-21.8pp | 82.2%-28.2pp | 67.6%-13.6pp |
| Annual return | 11.44% | 134.89%-123.4pp | 418.76%-407.3pp | 35.62%-24.2pp |
| Employer contribution / active EE | $3,566 | $3,715-4.0% | $4,934-27.7% | $2,756+29.4% |
| Participant deferral / active EE | $7,256 | $6,646+9.2% | $8,070-10.1% | $4,297+68.9% |
| Admin fee / account holder | $18,194 | $7,942+129.1% | $13,006+39.9% | $6,935+162.3% |