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 | $88,360-58.3% | $145,433-74.6% | $67,986-45.7% |
| Participation rate | 51.0% | 65.5%-14.5pp | 82.1%-31.1pp | 57.2%-6.2pp |
| Annual return | 17.23% | 63.15%-45.9pp | 66.58%-49.3pp | 31.67%-14.4pp |
| Employer contribution / active EE | $2,031 | $3,054-33.5% | $4,554-55.4% | $2,019+0.6% |
| Participant deferral / active EE | $4,035 | $5,932-32.0% | $7,897-48.9% | $3,358+20.2% |
| Admin fee / account holder | $3,416 | $3,313+3.1% | $13,129-74.0% | $3,203+6.6% |