Filed February 4, 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 | $61,175 | $76,407-19.9% | $150,298-59.3% | $82,448-25.8% |
| Participation rate | 39.3% | 66.4%-27.1pp | 77.8%-38.5pp | 68.1%-28.8pp |
| Annual return | 14.40% | 39.99%-25.6pp | 62.79%-48.4pp | 41.64%-27.2pp |
| Employer contribution / active EE | $168 | $2,614-93.6% | $4,154-96.0% | $2,551-93.4% |
| Participant deferral / active EE | $2,438 | $3,214-24.2% | $5,453-55.3% | $4,139-41.1% |
| Admin fee / account holder | $5,822 | $6,352-8.3% | $14,116-58.8% | $7,234-19.5% |