Filed November 3, 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 | $39,861 | $78,690-49.3% | $161,489-75.3% | $87,485-54.4% |
| Participation rate | 65.2% | 67.5%-2.2pp | 78.7%-13.5pp | 68.9%-3.7pp |
| Annual return | 13.99% | 32.74%-18.8pp | 89.72%-75.7pp | 26.06%-12.1pp |
| Employer contribution / active EE | $2,090 | $2,588-19.3% | $4,268-51.0% | $2,596-19.5% |
| Participant deferral / active EE | $4,033 | $3,311+21.8% | $5,630-28.4% | $4,274-5.6% |
| Admin fee / account holder | $7,674 | $6,724+14.1% | $16,006-52.1% | $7,775-1.3% |