Filed March 24, 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 | $13,951 | $81,331-82.8% | $155,534-91.0% | $80,935-82.8% |
| Participation rate | 37.2% | 66.3%-29.0pp | 78.2%-41.0pp | 67.7%-30.5pp |
| Annual return | 25.52% | 33.37%-7.8pp | 64.92%-39.4pp | 35.66%-10.1pp |
| Employer contribution / active EE | $619 | $3,105-80.1% | $4,675-86.8% | $2,757-77.6% |
| Participant deferral / active EE | $2,787 | $3,454-19.3% | $5,630-50.5% | $4,299-35.2% |
| Admin fee / account holder | $4,548 | $7,999-43.1% | $15,900-71.4% | $6,924-34.3% |