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 | $64,379 | $103,966-38.1% | $112,899-43.0% | $75,181-14.4% |
| Participation rate | 68.6% | 75.7%-7.1pp | 80.5%-11.9pp | 67.2%+1.4pp |
| Annual return | 11.42% | 24.54%-13.1pp | 34.11%-22.7pp | 160.69%-149.3pp |
| Employer contribution / active EE | $2,434 | $3,870-37.1% | $4,566-46.7% | $2,671-8.9% |
| Participant deferral / active EE | $4,081 | $5,456-25.2% | $6,516-37.4% | $4,126-1.1% |
| Admin fee / account holder | $13,986 | $7,663+82.5% | $7,047+98.5% | $5,650+147.6% |