Filed April 6, 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 | $35,796 | $106,524-66.4% | $152,301-76.5% | $87,485-59.1% |
| Participation rate | 32.3% | 75.8%-43.5pp | 82.4%-50.2pp | 68.9%-36.6pp |
| Annual return | 37.79% | 26.89%+10.9pp | 80.50%-42.7pp | 26.06%+11.7pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,755 | $6,525-57.8% | $8,004-65.6% | $4,274-35.5% |
| Admin fee / account holder | $19,311 | $8,287+133.0% | $14,398+34.1% | $7,775+148.4% |