Filed December 16, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $61,923 | $88,672-30.2% | $105,223-41.2% | $82,448-24.9% |
| Participation rate | 60.3% | 67.9%-7.6pp | 75.0%-14.8pp | 68.1%-7.8pp |
| Annual return | 12.33% | 30.86%-18.5pp | 180.65%-168.3pp | 41.64%-29.3pp |
| Employer contribution / active EE | $6,307 | $3,048+106.9% | $3,689+71.0% | $2,551+147.2% |
| Participant deferral / active EE | $0 | $4,036-100.0% | $5,072-100.0% | $4,139-100.0% |
| Admin fee / account holder | $3,591 | $7,146-49.8% | $8,859-59.5% | $7,234-50.4% |