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 | $87,465-7.7% | $122,979-34.3% | $65,306+23.7% |
| Participation rate | 45.2% | 66.0%-20.8pp | 77.2%-32.0pp | 57.7%-12.4pp |
| Annual return | 86.67% | 19.76%+66.9pp | 20.12%+66.6pp | 21.94%+64.7pp |
| Employer contribution / active EE | $1,102 | $2,156-48.9% | $3,062-64.0% | $1,967-44.0% |
| Participant deferral / active EE | $1,583 | $3,705-57.3% | $5,003-68.3% | $2,959-46.5% |
| Admin fee / account holder | $2,682 | $5,100-47.4% | $12,864-79.2% | $3,480-22.9% |