Filed January 21, 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 | $58,323 | $57,073+2.2% | $85,126-31.5% | $80,925-27.9% |
| Participation rate | 50.8% | 56.4%-5.6pp | 67.5%-16.7pp | 67.7%-16.8pp |
| Annual return | 67.76% | 21.69%+46.1pp | 66.63%+1.1pp | 35.65%+32.1pp |
| Employer contribution / active EE | $1,465 | $1,801-18.6% | $2,731-46.4% | $2,756-46.8% |
| Participant deferral / active EE | $2,792 | $3,113-10.3% | $4,523-38.3% | $4,299-35.1% |
| Admin fee / account holder | $6,731 | $4,988+35.0% | $6,160+9.3% | $6,940-3.0% |