Filed February 28, 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.)
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 | $26,027 | $68,878-62.2% | $120,574-78.4% | $80,935-67.8% |
| Participation rate | 45.7% | 61.7%-16.0pp | 71.9%-26.3pp | 67.7%-22.0pp |
| Annual return | 13.18% | 23.67%-10.5pp | 107.42%-94.2pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1,336 | $2,065-35.3% | $3,471-61.5% | $2,757-51.5% |
| Participant deferral / active EE | $1,812 | $3,189-43.2% | $4,996-63.7% | $4,299-57.9% |
| Admin fee / account holder | $1,277 | $5,782-77.9% | $9,445-86.5% | $6,924-81.6% |