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 | $63,790 | $26,140+144.0% | $58,507+9.0% | $74,473-14.3% |
| Participation rate | 15.9% | 32.1%-16.2pp | 50.9%-35.0pp | 70.7%-54.9pp |
| Annual return | 15.26% | 32.51%-17.3pp | 4252.32%-4237.1pp | 34.36%-19.1pp |
| Employer contribution / active EE | $450 | $537-16.1% | $1,053-57.2% | $2,638-82.9% |
| Participant deferral / active EE | $667 | $1,075-37.9% | $1,922-65.3% | $4,530-85.3% |
| Admin fee / account holder | $3,578 | $652+449.2% | $2,486+43.9% | $347+931.1% |