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.)
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 | $158,572 | $95,453+66.1% | $112,040+41.5% | $82,448+92.3% |
| Participation rate | 52.9% | 72.8%-19.8pp | 76.5%-23.6pp | 68.1%-15.1pp |
| Annual return | 11.63% | 23.92%-12.3pp | 24.52%-12.9pp | 41.64%-30.0pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,573 | $4,224+8.3% | $5,098-10.3% | $4,139+10.5% |
| Admin fee / account holder | $5,608 | $9,013-37.8% | $12,098-53.6% | $7,234-22.5% |