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 | $30,993 | $77,816-60.2% | $123,549-74.9% | $64,181-51.7% |
| Participation rate | 56.3% | 74.7%-18.5pp | 82.3%-26.0pp | 69.6%-13.3pp |
| Annual return | -6.73% | 12.49%-19.2pp | 119.20%-125.9pp | 7.63%-14.4pp |
| Employer contribution / active EE | $1,094 | $3,014-63.7% | $4,628-76.4% | $2,381-54.0% |
| Participant deferral / active EE | $5,257 | $5,240+0.3% | $6,426-18.2% | $3,470+51.5% |
| Admin fee / account holder | $3,403 | $5,519-38.3% | $9,284-63.3% | $4,887-30.4% |