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 | $63,456+2.2% | $100,712-35.6% | $64,097+1.2% |
| Participation rate | 39.0% | 49.7%-10.7pp | 69.3%-30.3pp | 55.2%-16.2pp |
| Annual return | 16.74% | 19.65%-2.9pp | 33.27%-16.5pp | 34.64%-17.9pp |
| Employer contribution / active EE | $1,152 | $1,003+14.9% | $2,313-50.2% | $1,891-39.1% |
| Participant deferral / active EE | $1,928 | $2,463-21.8% | $4,085-52.8% | $3,080-37.4% |
| Admin fee / account holder | $6,045 | $4,808+25.7% | $9,256-34.7% | $3,454+75.0% |