Filed September 17, 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 | $18,197 | $65,395-72.2% | $182,531-90.0% | $72,983-75.1% |
| Participation rate | 60.0% | 65.4%-5.4pp | 78.0%-18.0pp | 69.5%-9.5pp |
| Annual return | 26.58% | 27.68%-1.1pp | 148.57%-122.0pp | 81.01%-54.4pp |
| Employer contribution / active EE | $1,382 | $1,911-27.7% | $4,075-66.1% | $2,440-43.4% |
| Participant deferral / active EE | $2,523 | $3,563-29.2% | $5,525-54.3% | $3,608-30.1% |
| Admin fee / account holder | $326 | $4,245-92.3% | $8,593-96.2% | $5,124-93.6% |