Filed February 12, 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 | $100,640 | $48,327+108.2% | $67,575+48.9% | $80,935+24.3% |
| Participation rate | 61.0% | 66.4%-5.4pp | 72.9%-11.9pp | 67.7%-6.6pp |
| Annual return | 15.65% | 18.31%-2.7pp | 3528.98%-3513.3pp | 35.66%-20.0pp |
| Employer contribution / active EE | $2,770 | $2,022+37.0% | $2,736+1.3% | $2,757+0.5% |
| Participant deferral / active EE | $2,841 | $2,927-2.9% | $4,003-29.0% | $4,299-33.9% |
| Admin fee / account holder | $9,004 | $3,692+143.9% | $3,993+125.5% | $6,924+30.0% |