Filed December 20, 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 | $49,197 | $72,177-31.8% | $115,037-57.2% | $59,633-17.5% |
| Participation rate | 42.9% | 72.6%-29.7pp | 81.4%-38.5pp | 68.7%-25.8pp |
| Annual return | -0.35% | 12.02%-12.4pp | 26.14%-26.5pp | 2041.40%-2041.7pp |
| Employer contribution / active EE | $946 | $2,841-66.7% | $4,608-79.5% | $2,203-57.0% |
| Participant deferral / active EE | $5,382 | $4,783+12.5% | $6,026-10.7% | $3,192+68.6% |
| Admin fee / account holder | $1,871 | $4,927-62.0% | $8,175-77.1% | $4,297-56.5% |