Filed June 12, 2019
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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 | $91,670 | $72,486+26.5% | $87,103+5.2% | $72,976+25.6% |
| Participation rate | 63.5% | 72.8%-9.3pp | 76.9%-13.3pp | 69.5%-6.0pp |
| Annual return | 21.04% | 24.46%-3.4pp | 28.19%-7.1pp | 81.02%-60.0pp |
| Employer contribution / active EE | $1,238 | $1,894-34.6% | $2,521-50.9% | $2,440-49.3% |
| Participant deferral / active EE | $3,218 | $3,270-1.6% | $4,049-20.5% | $3,608-10.8% |
| Admin fee / account holder | $1,213 | $5,055-76.0% | $7,491-83.8% | $5,124-76.3% |