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 | $53,971 | $63,924-15.6% | $108,582-50.3% | $55,167-2.2% |
| Participation rate | 59.0% | 74.3%-15.4pp | 79.6%-20.6pp | 69.0%-10.0pp |
| Annual return | 12.01% | 15.31%-3.3pp | -51.70%+63.7pp | 169.23%-157.2pp |
| Employer contribution / active EE | $2,050 | $1,879+9.1% | $3,758-45.4% | $1,963+4.5% |
| Participant deferral / active EE | $3,866 | $3,067+26.1% | $4,311-10.3% | $3,054+26.6% |
| Admin fee / account holder | $2,087 | $618+237.9% | $7,645-72.7% | $504+314.2% |