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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $69,830 | $29,507+136.7% | $56,025+24.6% | $77,762-10.2% |
| Participation rate | 16.4% | 32.7%-16.3pp | 52.5%-36.1pp | 70.6%-54.2pp |
| Annual return | 10.71% | 18.90%-8.2pp | 1712.69%-1702.0pp | 31.27%-20.6pp |
| Employer contribution / active EE | $482 | $570-15.5% | $1,042-53.8% | $2,728-82.3% |
| Participant deferral / active EE | $682 | $1,062-35.7% | $1,955-65.1% | $4,651-85.3% |
| Admin fee / account holder | $2,307 | $1,041+121.7% | $2,828-18.4% | $433+432.9% |