Filed January 13, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $11,652 | $77,920-85.0% | $149,723-92.2% | $75,177-84.5% |
| Participation rate | 38.7% | 65.6%-26.9pp | 78.8%-40.1pp | 67.2%-28.5pp |
| Annual return | 10.00% | 31.72%-21.7pp | 134.50%-124.5pp | 160.75%-150.8pp |
| Employer contribution / active EE | $194 | $3,138-93.8% | $4,821-96.0% | $2,671-92.8% |
| Participant deferral / active EE | $1,016 | $3,411-70.2% | $5,682-82.1% | $4,126-75.4% |
| Admin fee / account holder | $2,113 | $5,951-64.5% | $13,215-84.0% | $5,651-62.6% |