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 | $57,140+2.1% | $85,240-31.6% | $80,959-28.0% |
| Participation rate | 50.8% | 56.4%-5.6pp | 67.5%-16.7pp | 67.7%-16.8pp |
| Annual return | 67.76% | 21.71%+46.0pp | 66.75%+1.0pp | 35.67%+32.1pp |
| Employer contribution / active EE | $1,465 | $1,802-18.7% | $2,735-46.4% | $2,757-46.9% |
| Participant deferral / active EE | $2,792 | $3,115-10.4% | $4,527-38.3% | $4,300-35.1% |
| Admin fee / account holder | $6,731 | $4,992+34.8% | $6,165+9.2% | $6,925-2.8% |