Filed September 9, 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 | $72,576 | $27,243+166.4% | $52,425+38.4% | $79,634-8.9% |
| Participation rate | 17.1% | 22.4%-5.4pp | 55.6%-38.6pp | 62.5%-45.4pp |
| Annual return | 14.55% | 63.36%-48.8pp | 302.12%-287.6pp | 36.46%-21.9pp |
| Employer contribution / active EE | $426 | $319+33.4% | $914-53.4% | $2,529-83.2% |
| Participant deferral / active EE | $633 | $636-0.5% | $1,790-64.7% | $3,835-83.5% |
| Admin fee / account holder | $4,130 | $2,105+96.2% | $2,495+65.6% | $1,002+312.3% |