Filed May 6, 2022
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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 | $53,674 | $52,353+2.5% | $120,225-55.4% | $82,448-34.9% |
| Participation rate | 41.4% | 58.3%-16.9pp | 69.6%-28.2pp | 68.1%-26.7pp |
| Annual return | 18.16% | 61.85%-43.7pp | 439.23%-421.1pp | 41.64%-23.5pp |
| Employer contribution / active EE | $1,205 | $1,510-20.2% | $3,475-65.3% | $2,551-52.8% |
| Participant deferral / active EE | $3,689 | $2,627+40.4% | $3,999-7.8% | $4,139-10.9% |
| Admin fee / account holder | $1,542 | $4,363-64.7% | $5,696-72.9% | $7,234-78.7% |