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 | $28,552 | $54,541-47.7% | $78,778-63.8% | $70,126-59.3% |
| Participation rate | 32.2% | 60.8%-28.6pp | 69.2%-37.0pp | 69.5%-37.3pp |
| Annual return | 17.81% | 21.07%-3.3pp | 35.62%-17.8pp | 73.15%-55.3pp |
| Employer contribution / active EE | $958 | $1,089-12.0% | $1,986-51.8% | $2,343-59.1% |
| Participant deferral / active EE | $1,292 | $2,210-41.6% | $2,958-56.3% | $3,332-61.2% |
| Admin fee / account holder | $1,336 | $3,709-64.0% | $5,134-74.0% | $4,645-71.3% |