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 | $41,162 | $75,963-45.8% | $97,995-58.0% | $70,126-41.3% |
| Participation rate | 58.8% | 77.0%-18.1pp | 82.4%-23.6pp | 69.5%-10.7pp |
| Annual return | 12.91% | 19.26%-6.4pp | 23.94%-11.0pp | 73.15%-60.2pp |
| Employer contribution / active EE | $1,346 | $3,278-58.9% | $4,158-67.6% | $2,343-42.5% |
| Participant deferral / active EE | $2,382 | $4,053-41.2% | $5,097-53.3% | $3,332-28.5% |
| Admin fee / account holder | $7,611 | $5,407+40.8% | $5,943+28.0% | $4,645+63.8% |