Filed March 4, 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 | $68,474 | $87,834-22.0% | $133,975-48.9% | $62,881+8.9% |
| Participation rate | 67.2% | 83.4%-16.2pp | 87.1%-19.9pp | 69.3%-2.1pp |
| Annual return | 18.29% | 12.05%+6.2pp | 29.29%-11.0pp | 20.14%-1.9pp |
| Employer contribution / active EE | $2,650 | $3,482-23.9% | $5,211-49.1% | $2,281+16.2% |
| Participant deferral / active EE | $5,044 | $4,812+4.8% | $6,282-19.7% | $3,203+57.5% |
| Admin fee / account holder | $4,632 | $5,372-13.8% | $9,324-50.3% | $4,296+7.8% |