Filed June 14, 2021
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $121,650 | $102,422+18.8% | $147,117-17.3% | $80,959+50.3% |
| Participation rate | 34.2% | 75.9%-41.7pp | 82.2%-48.0pp | 67.7%-33.5pp |
| Annual return | 10.41% | 135.16%-124.7pp | 420.54%-410.1pp | 35.67%-25.3pp |
| Employer contribution / active EE | $68 | $3,717-98.2% | $4,932-98.6% | $2,757-97.5% |
| Participant deferral / active EE | $6,160 | $6,652-7.4% | $8,065-23.6% | $4,300+43.2% |
| Admin fee / account holder | $12,399 | $7,953+55.9% | $12,993-4.6% | $6,925+79.0% |