Filed January 7, 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 | $146,218 | $86,949+68.2% | $102,460+42.7% | $80,959+80.6% |
| Participation rate | 54.8% | 72.4%-17.5pp | 76.5%-21.7pp | 67.7%-12.8pp |
| Annual return | 17.28% | 18.89%-1.6pp | 29.47%-12.2pp | 35.67%-18.4pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $3,531 | $4,121-14.3% | $5,056-30.2% | $4,300-17.9% |
| Admin fee / account holder | $1,353 | $8,048-83.2% | $9,460-85.7% | $6,925-80.5% |