Filed November 22, 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,238 | $29,554-28.1% | $56,054-62.1% | $77,692-72.7% |
| Participation rate | 0.0% | 32.6%-32.6pp | 52.5%-52.5pp | 70.6%-70.6pp |
| Annual return | 16.21% | 18.89%-2.7pp | 1705.95%-1689.7pp | 31.25%-15.0pp |
| Employer contribution / active EE | $484 | $568-14.8% | $1,039-53.4% | $2,726-82.2% |
| Participant deferral / active EE | $741 | $1,061-30.1% | $1,952-62.1% | $4,648-84.1% |
| Admin fee / account holder | $4,065 | $1,046+288.7% | $2,822+44.0% | $431+844.2% |