Filed April 16, 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 | $48,566 | $57,108-15.0% | $94,229-48.5% | $52,331-7.2% |
| Participation rate | 68.9% | 72.9%-4.0pp | 78.8%-9.8pp | 68.1%+0.8pp |
| Annual return | -0.02% | 1.47%-1.5pp | 10.68%-10.7pp | 4.54%-4.6pp |
| Employer contribution / active EE | $2,091 | $1,735+20.5% | $3,587-41.7% | $1,882+11.1% |
| Participant deferral / active EE | $4,468 | $3,040+47.0% | $4,320+3.4% | $3,022+47.8% |
| Admin fee / account holder | $1,786 | $546+226.9% | $6,269-71.5% | $592+202.0% |