Filed November 15, 2021
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $37,917 | $87,106-56.5% | $105,607-64.1% | $80,935-53.2% |
| Participation rate | 28.4% | 70.4%-42.1pp | 75.3%-46.9pp | 67.7%-39.3pp |
| Annual return | 14.08% | 17.01%-2.9pp | 116.11%-102.0pp | 35.66%-21.6pp |
| Employer contribution / active EE | $792 | $2,396-67.0% | $3,167-75.0% | $2,757-71.3% |
| Participant deferral / active EE | $1,268 | $3,986-68.2% | $5,011-74.7% | $4,299-70.5% |
| Admin fee / account holder | $2,948 | $8,447-65.1% | $10,958-73.1% | $6,924-57.4% |