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 | $28,277 | $72,027-60.7% | $185,835-84.8% | $79,852-64.6% |
| Participation rate | 58.6% | 65.8%-7.1pp | 78.0%-19.4pp | 69.6%-11.0pp |
| Annual return | 22.15% | 23.13%-1.0pp | 35.96%-13.8pp | 31.72%-9.6pp |
| Employer contribution / active EE | $1,634 | $1,965-16.9% | $4,087-60.0% | $2,471-33.9% |
| Participant deferral / active EE | $3,234 | $3,780-14.4% | $5,633-42.6% | $3,740-13.5% |
| Admin fee / account holder | $1,038 | $4,513-77.0% | $9,502-89.1% | $5,306-80.4% |