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 | $63,845-14.5% | $81,370-32.9% | $80,959-32.6% |
| Participation rate | 68.9% | 63.9%+5.0pp | 69.5%-0.6pp | 67.7%+1.3pp |
| Annual return | 13.30% | 16.37%-3.1pp | 24.85%-11.6pp | 35.67%-22.4pp |
| Employer contribution / active EE | $2,167 | $1,980+9.4% | $2,464-12.1% | $2,757-21.4% |
| Participant deferral / active EE | $3,279 | $3,093+6.0% | $3,885-15.6% | $4,300-23.7% |
| Admin fee / account holder | $5,966 | $5,688+4.9% | $5,749+3.8% | $6,925-13.9% |