Filed December 27, 2020
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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 | $53,294 | $102,385-47.9% | $147,080-63.8% | $80,935-34.2% |
| Participation rate | 48.1% | 75.9%-27.7pp | 82.2%-34.0pp | 67.7%-19.5pp |
| Annual return | 14.51% | 135.09%-120.6pp | 420.17%-405.7pp | 35.66%-21.1pp |
| Employer contribution / active EE | $2,035 | $3,717-45.3% | $4,933-58.8% | $2,757-26.2% |
| Participant deferral / active EE | $4,839 | $6,651-27.2% | $8,066-40.0% | $4,299+12.5% |
| Admin fee / account holder | $12,916 | $7,951+62.4% | $12,989-0.6% | $6,924+86.5% |