Filed March 11, 2022
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $33,855 | $45,123-25.0% | $85,240-60.3% | $74,478-54.5% |
| Participation rate | 16.4% | 49.4%-33.0pp | 67.5%-51.1pp | 67.2%-50.8pp |
| Annual return | 12.66% | 26.32%-13.7pp | 66.75%-54.1pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $40 | $1,459-97.2% | $2,735-98.5% | $2,626-98.5% |
| Participant deferral / active EE | $1,638 | $2,736-40.1% | $4,527-63.8% | $4,350-62.3% |
| Admin fee / account holder | $5,910 | $2,215+166.8% | $6,165-4.1% | $1,946+203.7% |