Filed February 12, 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 | $26,288 | $56,894-53.8% | $84,753-69.0% | $62,881-58.2% |
| Participation rate | 45.7% | 68.5%-22.8pp | 76.6%-30.9pp | 69.3%-23.6pp |
| Annual return | 24.64% | 6.30%+18.3pp | 22.78%+1.9pp | 20.14%+4.5pp |
| Employer contribution / active EE | $1,071 | $2,400-55.4% | $3,574-70.0% | $2,281-53.1% |
| Participant deferral / active EE | $2,804 | $2,709+3.5% | $3,712-24.5% | $3,203-12.4% |
| Admin fee / account holder | $433 | $3,581-87.9% | $5,333-91.9% | $4,296-89.9% |