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 | $30,420 | $85,766-64.5% | $136,298-77.7% | $70,126-56.6% |
| Participation rate | 60.9% | 74.2%-13.3pp | 81.9%-21.1pp | 69.5%-8.7pp |
| Annual return | 28.65% | 31.46%-2.8pp | 5156.27%-5127.6pp | 73.15%-44.5pp |
| Employer contribution / active EE | $759 | $2,966-74.4% | $4,696-83.8% | $2,343-67.6% |
| Participant deferral / active EE | $4,583 | $5,051-9.3% | $6,247-26.6% | $3,332+37.6% |
| Admin fee / account holder | $2,887 | $5,421-46.7% | $9,244-68.8% | $4,645-37.8% |