Filed April 18, 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.)
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 | $34,083 | $65,367-47.9% | $92,915-63.3% | $72,976-53.3% |
| Participation rate | 61.5% | 68.3%-6.8pp | 76.0%-14.5pp | 69.5%-8.0pp |
| Annual return | 21.40% | 42.11%-20.7pp | 109.45%-88.0pp | 81.02%-59.6pp |
| Employer contribution / active EE | $1,739 | $2,594-33.0% | $3,653-52.4% | $2,440-28.7% |
| Participant deferral / active EE | $3,414 | $3,128+9.1% | $4,238-19.4% | $3,608-5.4% |
| Admin fee / account holder | $5,000 | $4,251+17.6% | $5,796-13.7% | $5,124-2.4% |