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 | $19,396 | $48,364-59.9% | $71,796-73.0% | $62,881-69.2% |
| Participation rate | 31.3% | 60.6%-29.3pp | 69.1%-37.8pp | 69.3%-38.0pp |
| Annual return | 17.67% | 13.16%+4.5pp | 78.04%-60.4pp | 20.14%-2.5pp |
| Employer contribution / active EE | $677 | $1,042-35.0% | $1,924-64.8% | $2,281-70.3% |
| Participant deferral / active EE | $1,020 | $2,091-51.2% | $2,794-63.5% | $3,203-68.1% |
| Admin fee / account holder | $3,725 | $3,771-1.2% | $4,815-22.6% | $4,296-13.3% |