Filed January 13, 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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,939 | $134,817-52.6% | $123,973-48.4% | $155,188-58.8% |
| Participation rate | 65.0% | 79.4%-14.4pp | 76.7%-11.7pp | 80.8%-15.8pp |
| Annual return | -24.16% | 515.49%-539.6pp | 388.13%-412.3pp | 148.84%-173.0pp |
| Employer contribution / active EE | $13,205 | $4,425+198.4% | $4,126+220.1% | $4,248+210.9% |
| Participant deferral / active EE | $7,493 | $5,706+31.3% | $5,247+42.8% | $6,531+14.7% |
| Admin fee / account holder | $11,163 | $13,245-15.7% | $11,799-5.4% | $14,480-22.9% |