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 | $61,706 | $88,370-30.2% | $112,977-45.4% | $79,852-22.7% |
| Participation rate | 63.0% | 76.8%-13.8pp | 82.6%-19.5pp | 69.6%-6.6pp |
| Annual return | 15.15% | 23.16%-8.0pp | 24.24%-9.1pp | 31.72%-16.6pp |
| Employer contribution / active EE | $1,980 | $3,398-41.7% | $4,255-53.5% | $2,471-19.9% |
| Participant deferral / active EE | $3,094 | $4,536-31.8% | $5,836-47.0% | $3,740-17.3% |
| Admin fee / account holder | $2,557 | $5,750-55.5% | $6,294-59.4% | $5,306-51.8% |