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 | $20,281 | $75,541-73.2% | $152,093-86.7% | $82,637-75.5% |
| Participation rate | 46.5% | 66.5%-20.1pp | 77.8%-31.3pp | 68.1%-21.6pp |
| Annual return | 17.45% | 32.56%-15.1pp | 66.36%-48.9pp | 53.51%-36.1pp |
| Employer contribution / active EE | $681 | $2,622-74.0% | $4,175-83.7% | $2,552-73.3% |
| Participant deferral / active EE | $2,401 | $3,206-25.1% | $5,451-56.0% | $4,126-41.8% |
| Admin fee / account holder | $4,262 | $6,405-33.5% | $14,497-70.6% | $7,339-41.9% |