Filed December 27, 2020
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $33,314 | $98,760-66.3% | $149,715-77.7% | $79,858-58.3% |
| Participation rate | 60.9% | 75.8%-14.9pp | 82.5%-21.6pp | 69.6%-8.8pp |
| Annual return | 45.79% | 27.43%+18.4pp | 276.66%-230.9pp | 31.72%+14.1pp |
| Employer contribution / active EE | $775 | $3,217-75.9% | $4,645-83.3% | $2,471-68.6% |
| Participant deferral / active EE | $2,202 | $5,681-61.2% | $6,842-67.8% | $3,740-41.1% |
| Admin fee / account holder | $365 | $6,053-94.0% | $9,310-96.1% | $5,306-93.1% |