Filed February 5, 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 | $80,761 | $79,867+1.1% | $120,344-32.9% | $64,340+25.5% |
| Participation rate | 45.2% | 63.0%-17.7pp | 76.7%-31.5pp | 55.2%-10.0pp |
| Annual return | 86.67% | 21.10%+65.6pp | 20.30%+66.4pp | 24.14%+62.5pp |
| Employer contribution / active EE | $1,102 | $1,925-42.7% | $3,020-63.5% | $1,862-40.8% |
| Participant deferral / active EE | $1,583 | $3,593-55.9% | $5,135-69.2% | $2,980-46.9% |
| Admin fee / account holder | $2,682 | $5,039-46.8% | $12,742-79.0% | $3,703-27.6% |