Filed May 3, 2021
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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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,350 | $78,483-30.7% | $106,201-48.8% | $74,546-27.1% |
| Participation rate | 49.7% | 72.8%-23.1pp | 75.3%-25.6pp | 67.2%-17.5pp |
| Annual return | 10.94% | 15.94%-5.0pp | 116.26%-105.3pp | 1366.03%-1355.1pp |
| Employer contribution / active EE | $1,586 | $2,522-37.1% | $3,170-50.0% | $2,624-39.6% |
| Participant deferral / active EE | $3,230 | $4,320-25.2% | $5,012-35.6% | $4,347-25.7% |
| Admin fee / account holder | $2,694 | $2,236+20.5% | $11,039-75.6% | $1,944+38.6% |