Filed February 26, 2020
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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 | $58,886 | $52,678+11.8% | $75,784-22.3% | $59,633-1.3% |
| Participation rate | 68.6% | 67.2%+1.4pp | 75.8%-7.2pp | 68.7%0pp |
| Annual return | 0.77% | 2.95%-2.2pp | 9.68%-8.9pp | 2041.45%-2040.7pp |
| Employer contribution / active EE | $2,153 | $2,193-1.8% | $3,323-35.2% | $2,203-2.2% |
| Participant deferral / active EE | $3,852 | $2,591+48.7% | $3,652+5.5% | $3,192+20.7% |
| Admin fee / account holder | $548 | $3,610-84.8% | $5,300-89.7% | $4,297-87.2% |