Filed November 29, 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 | $54,587 | $63,773-14.4% | $81,286-32.8% | $80,925-32.5% |
| Participation rate | 68.9% | 63.9%+5.0pp | 69.5%-0.6pp | 67.7%+1.3pp |
| Annual return | 13.30% | 16.37%-3.1pp | 24.80%-11.5pp | 35.65%-22.4pp |
| Employer contribution / active EE | $2,167 | $1,979+9.5% | $2,463-12.0% | $2,756-21.4% |
| Participant deferral / active EE | $3,279 | $3,093+6.0% | $3,883-15.5% | $4,299-23.7% |
| Admin fee / account holder | $5,966 | $5,682+5.0% | $5,764+3.5% | $6,940-14.0% |