Filed December 17, 2020
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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 | $79,179 | $182,442-56.6% | $163,379-51.5% | $138,895-43.0% |
| Participation rate | 25.0% | 79.8%-54.8pp | 76.8%-51.8pp | 79.9%-54.9pp |
| Annual return | 21.74% | 72.74%-51.0pp | 63.41%-41.7pp | 145.39%-123.7pp |
| Employer contribution / active EE | $1,669 | $4,159-59.9% | $3,752-55.5% | $4,194-60.2% |
| Participant deferral / active EE | $1,669 | $6,817-75.5% | $6,282-73.4% | $6,396-73.9% |
| Admin fee / account holder | $2,082 | $10,396-80.0% | $9,818-78.8% | $12,562-83.4% |