Filed January 10, 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 | $39,553 | $100,895-60.8% | $90,430-56.3% | $158,950-75.1% |
| Participation rate | 33.3% | 75.0%-41.7pp | 72.7%-39.4pp | 82.0%-48.6pp |
| Annual return | 12.96% | 1725.54%-1712.6pp | 1293.73%-1280.8pp | 302.91%-289.9pp |
| Employer contribution / active EE | $2,339 | $3,689-36.6% | $3,262-28.3% | $4,762-50.9% |
| Participant deferral / active EE | $6,856 | $4,347+57.7% | $3,963+73.0% | $5,983+14.6% |
| Admin fee / account holder | $5,427 | $6,505-16.6% | $5,613-3.3% | $11,248-51.8% |