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 | $45,974 | $72,273-36.4% | $101,275-54.6% | $79,856-42.4% |
| Participation rate | 63.9% | 68.5%-4.6pp | 75.8%-11.9pp | 69.6%-5.8pp |
| Annual return | 12.06% | 22.30%-10.2pp | 46.48%-34.4pp | 31.71%-19.7pp |
| Employer contribution / active EE | $2,085 | $2,691-22.5% | $3,660-43.0% | $2,471-15.6% |
| Participant deferral / active EE | $4,715 | $3,282+43.7% | $4,371+7.9% | $3,741+26.0% |
| Admin fee / account holder | $5,799 | $4,401+31.8% | $5,948-2.5% | $5,306+9.3% |