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 | $78,636-30.9% | $105,607-48.5% | $74,459-27.0% |
| Participation rate | 49.7% | 72.8%-23.0pp | 75.3%-25.5pp | 67.2%-17.5pp |
| Annual return | 10.94% | 15.96%-5.0pp | 116.11%-105.2pp | 1369.70%-1358.8pp |
| Employer contribution / active EE | $1,586 | $2,523-37.1% | $3,167-49.9% | $2,626-39.6% |
| Participant deferral / active EE | $3,230 | $4,322-25.3% | $5,011-35.5% | $4,350-25.7% |
| Admin fee / account holder | $2,694 | $2,220+21.3% | $10,958-75.4% | $1,945+38.5% |