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.)
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 | $107,075 | $93,598+14.4% | $135,974-21.3% | $75,173+42.4% |
| Participation rate | 40.7% | 75.2%-34.5pp | 81.9%-41.2pp | 67.2%-26.5pp |
| Annual return | 17.41% | 30.89%-13.5pp | 68.30%-50.9pp | 160.72%-143.3pp |
| Employer contribution / active EE | $157 | $3,538-95.6% | $4,859-96.8% | $2,671-94.1% |
| Participant deferral / active EE | $4,419 | $6,405-31.0% | $7,760-43.1% | $4,126+7.1% |
| Admin fee / account holder | $6,094 | $6,978-12.7% | $10,767-43.4% | $5,651+7.8% |