Filed February 16, 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 | $20,846 | $81,233-74.3% | $155,567-86.6% | $80,874-74.2% |
| Participation rate | 45.5% | 66.2%-20.8pp | 78.2%-32.7pp | 67.6%-22.2pp |
| Annual return | 13.04% | 33.33%-20.3pp | 64.74%-51.7pp | 35.62%-22.6pp |
| Employer contribution / active EE | $847 | $3,101-72.7% | $4,674-81.9% | $2,756-69.3% |
| Participant deferral / active EE | $3,893 | $3,452+12.8% | $5,628-30.8% | $4,297-9.4% |
| Admin fee / account holder | $1,058 | $7,998-86.8% | $15,916-93.4% | $6,935-84.7% |