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 | $75,935 | $123,793-38.7% | $177,840-57.3% | $79,852-4.9% |
| Participation rate | 50.7% | 84.7%-34.0pp | 87.7%-37.0pp | 69.6%-19.0pp |
| Annual return | 14.93% | 22.82%-7.9pp | 48.32%-33.4pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,468 | $4,095-39.7% | $5,919-58.3% | $2,471-0.1% |
| Participant deferral / active EE | $4,628 | $5,956-22.3% | $7,714-40.0% | $3,740+23.7% |
| Admin fee / account holder | $3,663 | $7,243-49.4% | $12,431-70.5% | $5,306-31.0% |