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 | $56,116-4.4% | $135,768-60.5% | $86,983-38.3% |
| Participation rate | 41.4% | 60.1%-18.8pp | 71.1%-29.7pp | 69.5%-28.2pp |
| Annual return | 18.16% | 125.33%-107.2pp | 526.10%-507.9pp | 25.83%-7.7pp |
| Employer contribution / active EE | $1,205 | $1,528-21.1% | $3,394-64.5% | $2,584-53.4% |
| Participant deferral / active EE | $3,689 | $2,690+37.1% | $3,977-7.3% | $4,194-12.0% |
| Admin fee / account holder | $1,542 | $4,314-64.3% | $7,048-78.1% | $7,856-80.4% |