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 | $31,174 | $65,041-52.1% | $90,965-65.7% | $79,858-61.0% |
| Participation rate | 45.6% | 61.6%-16.0pp | 69.0%-23.4pp | 69.6%-24.0pp |
| Annual return | 19.52% | 30.45%-10.9pp | 134.57%-115.0pp | 31.72%-12.2pp |
| Employer contribution / active EE | $1,132 | $1,247-9.3% | $2,122-46.7% | $2,471-54.2% |
| Participant deferral / active EE | $1,937 | $2,512-22.9% | $3,373-42.6% | $3,740-48.2% |
| Admin fee / account holder | $822 | $4,536-81.9% | $5,960-86.2% | $5,306-84.5% |