Filed November 9, 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 | $16,874 | $39,798-57.6% | $67,704-75.1% | $59,633-71.7% |
| Participation rate | 38.7% | 57.4%-18.6pp | 67.5%-28.8pp | 68.7%-30.0pp |
| Annual return | -0.34% | 89.94%-90.3pp | 25.41%-25.7pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $1,103 | $1,393-20.8% | $2,559-56.9% | $2,203-49.9% |
| Participant deferral / active EE | $1,827 | $2,335-21.8% | $3,585-49.0% | $3,192-42.8% |
| Admin fee / account holder | $2,305 | $3,212-28.2% | $4,255-45.8% | $4,297-46.4% |