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 | $140,872 | $103,393+36.2% | $87,103+61.7% | $152,909-7.9% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.9%-10.2pp | 82.5%-15.8pp |
| Annual return | 22.42% | 28.10%-5.7pp | 28.19%-5.8pp | 345.46%-323.0pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $3,956 | $4,778-17.2% | $4,049-2.3% | $5,851-32.4% |
| Admin fee / account holder | $20,984 | $12,195+72.1% | $7,491+180.1% | $11,601+80.9% |