Filed December 3, 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 | $63,128 | $109,359-42.3% | $162,177-61.1% | $72,975-13.5% |
| Participation rate | 48.6% | 84.3%-35.6pp | 87.6%-38.9pp | 69.5%-20.9pp |
| Annual return | 21.68% | 25.46%-3.8pp | 115.60%-93.9pp | 81.01%-59.3pp |
| Employer contribution / active EE | $2,196 | $3,907-43.8% | $5,613-60.9% | $2,440-10.0% |
| Participant deferral / active EE | $4,183 | $5,481-23.7% | $7,297-42.7% | $3,608+15.9% |
| Admin fee / account holder | $5,446 | $7,972-31.7% | $10,843-49.8% | $5,124+6.3% |