Filed April 21, 2022
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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 | $79,167 | $91,559-13.5% | $133,978-40.9% | $79,856-0.9% |
| Participation rate | 63.3% | 73.3%-10.1pp | 79.8%-16.6pp | 69.6%-6.4pp |
| Annual return | 16.81% | 61.85%-45.0pp | 45.10%-28.3pp | 31.71%-14.9pp |
| Employer contribution / active EE | $911 | $2,384-61.8% | $3,919-76.8% | $2,471-63.1% |
| Participant deferral / active EE | $4,145 | $3,734+11.0% | $5,047-17.9% | $3,741+10.8% |
| Admin fee / account holder | $2,124 | $6,321-66.4% | $8,930-76.2% | $5,306-60.0% |