Filed January 8, 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 | $32,615 | $81,331-59.9% | $155,534-79.0% | $80,935-59.7% |
| Participation rate | 67.6% | 66.3%+1.4pp | 78.2%-10.6pp | 67.7%0pp |
| Annual return | 10.70% | 33.37%-22.7pp | 64.92%-54.2pp | 35.66%-25.0pp |
| Employer contribution / active EE | $787 | $3,105-74.6% | $4,675-83.2% | $2,757-71.4% |
| Participant deferral / active EE | $2,200 | $3,454-36.3% | $5,630-60.9% | $4,299-48.8% |
| Admin fee / account holder | $6,264 | $7,999-21.7% | $15,900-60.6% | $6,924-9.5% |