Filed February 14, 2022
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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 | $39,455 | $66,764-40.9% | $88,497-55.4% | $62,881-37.3% |
| Participation rate | 59.2% | 77.3%-18.1pp | 82.4%-23.2pp | 69.3%-10.1pp |
| Annual return | 5.43% | 10.37%-4.9pp | 7.63%-2.2pp | 20.14%-14.7pp |
| Employer contribution / active EE | $1,355 | $3,077-56.0% | $4,036-66.4% | $2,281-40.6% |
| Participant deferral / active EE | $1,814 | $3,976-54.4% | $4,899-63.0% | $3,203-43.4% |
| Admin fee / account holder | $5,209 | $4,668+11.6% | $6,220-16.3% | $4,296+21.2% |