Filed November 10, 2020 (most recent of 2 filings on file)
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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 | $48,357 | $45,343+6.6% | $150,298-67.8% | $67,986-28.9% |
| Participation rate | 34.2% | 51.9%-17.6pp | 77.8%-43.5pp | 57.2%-23.0pp |
| Annual return | 11.91% | 33.28%-21.4pp | 62.79%-50.9pp | 31.67%-19.8pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,350 | $2,055+14.4% | $5,453-56.9% | $3,358-30.0% |
| Admin fee / account holder | $6,413 | $2,250+185.0% | $14,116-54.6% | $3,203+100.2% |