Filed February 5, 2021
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $80,761 | $85,515-5.6% | $112,040-27.9% | $67,986+18.8% |
| Participation rate | 45.2% | 68.2%-23.0pp | 76.5%-31.3pp | 57.2%-12.0pp |
| Annual return | 86.67% | 29.68%+57.0pp | 24.52%+62.1pp | 31.67%+55.0pp |
| Employer contribution / active EE | $1,102 | $2,191-49.7% | $2,954-62.7% | $2,019-45.4% |
| Participant deferral / active EE | $1,583 | $4,014-60.6% | $5,098-68.9% | $3,358-52.8% |
| Admin fee / account holder | $2,682 | $3,774-28.9% | $12,098-77.8% | $3,203-16.3% |