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 | $146,595 | $105,200+39.3% | $159,474-8.1% | $85,847+70.8% |
| Participation rate | 33.3% | 75.8%-42.4pp | 82.8%-49.5pp | 69.3%-36.0pp |
| Annual return | 10.87% | 45.08%-34.2pp | 263.68%-252.8pp | 318.61%-307.7pp |
| Employer contribution / active EE | $152 | $3,319-95.4% | $4,831-96.8% | $2,565-94.1% |
| Participant deferral / active EE | $2,839 | $5,946-52.3% | $7,353-61.4% | $3,952-28.2% |
| Admin fee / account holder | $60,209 | $6,934+768.3% | $10,802+457.4% | $6,261+861.7% |