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 | $38,358 | $68,996-44.4% | $159,991-76.0% | $68,495-44.0% |
| Participation rate | 58.1% | 65.4%-7.3pp | 78.0%-19.9pp | 67.9%-9.8pp |
| Annual return | -13.51% | -9.65%-3.9pp | 408.82%-422.3pp | -7.84%-5.7pp |
| Employer contribution / active EE | $1,743 | $2,212-21.2% | $4,225-58.8% | $2,596-32.9% |
| Participant deferral / active EE | $3,918 | $4,211-6.9% | $6,183-36.6% | $4,028-2.7% |
| Admin fee / account holder | $2,645 | $4,797-44.9% | $8,715-69.7% | $5,403-51.1% |