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.)
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 | $40,317 | $71,480-43.6% | $90,782-55.6% | $64,173-37.2% |
| Participation rate | 59.2% | 77.6%-18.4pp | 82.7%-23.5pp | 69.6%-10.4pp |
| Annual return | -7.91% | -4.25%-3.7pp | -3.42%-4.5pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,566 | $3,415-54.1% | $4,105-61.8% | $2,381-34.2% |
| Participant deferral / active EE | $2,700 | $4,302-37.2% | $5,366-49.7% | $3,470-22.2% |
| Admin fee / account holder | $426 | $6,309-93.3% | $5,908-92.8% | $4,887-91.3% |