Filed January 17, 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 | $58,016 | $56,116+3.4% | $135,768-57.3% | $86,983-33.3% |
| Participation rate | 48.9% | 60.1%-11.2pp | 71.1%-22.2pp | 69.5%-20.6pp |
| Annual return | 16.59% | 125.33%-108.7pp | 526.10%-509.5pp | 25.83%-9.2pp |
| Employer contribution / active EE | $935 | $1,528-38.8% | $3,394-72.4% | $2,584-63.8% |
| Participant deferral / active EE | $2,233 | $2,690-17.0% | $3,977-43.9% | $4,194-46.8% |
| Admin fee / account holder | $3,283 | $4,314-23.9% | $7,048-53.4% | $7,856-58.2% |