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 | $34,602 | $52,279-33.8% | $89,414-61.3% | $79,852-56.7% |
| Participation rate | 34.8% | 57.5%-22.8pp | 68.0%-33.2pp | 69.6%-34.9pp |
| Annual return | 16.17% | 22.16%-6.0pp | 245.50%-229.3pp | 31.72%-15.5pp |
| Employer contribution / active EE | $1,259 | $1,572-19.9% | $2,586-51.3% | $2,471-49.0% |
| Participant deferral / active EE | $1,555 | $2,740-43.2% | $3,890-60.0% | $3,740-58.4% |
| Admin fee / account holder | $2,170 | $3,356-35.3% | $4,883-55.6% | $5,306-59.1% |