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 | $31,779 | $45,872-30.7% | $77,096-58.8% | $68,486-53.6% |
| Participation rate | 47.2% | 55.9%-8.8pp | 67.9%-20.8pp | 67.9%-20.7pp |
| Annual return | -17.68% | 1.73%-19.4pp | 42.35%-60.0pp | -7.85%-9.8pp |
| Employer contribution / active EE | $1,389 | $1,650-15.8% | $2,814-50.7% | $2,597-46.5% |
| Participant deferral / active EE | $2,317 | $2,963-21.8% | $4,429-47.7% | $4,028-42.5% |
| Admin fee / account holder | $2,966 | $3,041-2.5% | $5,428-45.4% | $5,404-45.1% |