Filed March 4, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $204,314 | $81,474+150.8% | $133,959+52.5% | $73,493+178.0% |
| Participation rate | 44.7% | 76.4%-31.6pp | 79.8%-35.1pp | 70.7%-25.9pp |
| Annual return | 11.28% | 19.40%-8.1pp | 45.09%-33.8pp | 28.51%-17.2pp |
| Employer contribution / active EE | $2,555 | $2,209+15.6% | $3,919-34.8% | $2,270+12.5% |
| Participant deferral / active EE | $3,848 | $3,786+1.6% | $5,047-23.8% | $3,740+2.9% |
| Admin fee / account holder | $24,031 | $713+3269.9% | $8,928+169.2% | $513+4583.7% |