Filed March 29, 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.)
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 | $64,873 | $65,246-0.6% | $98,716-34.3% | $67,986-4.6% |
| Participation rate | 39.0% | 51.4%-12.5pp | 69.3%-30.3pp | 57.2%-18.2pp |
| Annual return | 16.74% | 20.58%-3.8pp | 31.81%-15.1pp | 31.67%-14.9pp |
| Employer contribution / active EE | $1,152 | $1,042+10.6% | $2,279-49.4% | $2,019-42.9% |
| Participant deferral / active EE | $1,928 | $2,594-25.7% | $4,048-52.4% | $3,358-42.6% |
| Admin fee / account holder | $6,045 | $4,561+32.5% | $8,703-30.5% | $3,203+88.7% |