Filed April 5, 2022
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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 | $12,750 | $49,199-74.1% | $121,204-89.5% | $75,173-83.0% |
| Participation rate | 61.7% | 55.4%+6.3pp | 69.5%-7.8pp | 67.2%-5.5pp |
| Annual return | 22.85% | 56.04%-33.2pp | 987.18%-964.3pp | 160.72%-137.9pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,170-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,519 | $2,630+109.9% | $4,083+35.2% | $4,126+33.8% |
| Admin fee / account holder | $2,670 | $3,946-32.3% | $5,651-52.8% | $5,651-52.8% |