Filed July 6, 2021
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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 | $36,883 | $90,107-59.1% | $182,262-79.8% | $69,733-47.1% |
| Participation rate | 51.0% | 64.8%-13.9pp | 84.2%-33.2pp | 62.5%-11.5pp |
| Annual return | 17.23% | 95.58%-78.3pp | 140.60%-123.4pp | 15.22%+2.0pp |
| Employer contribution / active EE | $2,031 | $3,043-33.2% | $5,046-59.7% | $2,250-9.7% |
| Participant deferral / active EE | $4,035 | $5,135-21.4% | $8,276-51.2% | $3,054+32.1% |
| Admin fee / account holder | $3,416 | $3,377+1.1% | $16,712-79.6% | $3,102+10.1% |