Filed April 14, 2022
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,093 | $112,300-86.6% | $90,223-83.3% | $125,389-88.0% |
| Participation rate | 69.6% | 82.9%-13.3pp | 79.0%-9.5pp | 83.2%-13.6pp |
| Annual return | -12.74% | -0.57%-12.2pp | 1.31%-14.1pp | 282.24%-295.0pp |
| Employer contribution / active EE | $2,596 | $5,181-49.9% | $4,378-40.7% | $4,866-46.6% |
| Participant deferral / active EE | $3,423 | $6,733-49.2% | $5,792-40.9% | $5,352-36.0% |
| Admin fee / account holder | $5,335 | $10,990-51.5% | $7,406-28.0% | $9,541-44.1% |