Filed December 22, 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 | $46,819 | $87,059-46.2% | $105,608-55.7% | $80,925-42.1% |
| Participation rate | 51.3% | 70.4%-19.2pp | 75.3%-24.0pp | 67.7%-16.4pp |
| Annual return | 16.85% | 17.05%-0.2pp | 116.50%-99.7pp | 35.65%-18.8pp |
| Employer contribution / active EE | $0 | $2,396-100.0% | $3,167-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,707 | $3,986-57.2% | $5,010-65.9% | $4,299-60.3% |
| Admin fee / account holder | $6,126 | $8,443-27.4% | $11,028-44.5% | $6,940-11.7% |