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 | $18,476 | $85,171-78.3% | $172,752-89.3% | $72,975-74.7% |
| Participation rate | 62.5% | 70.1%-7.6pp | 82.6%-20.1pp | 69.5%-7.0pp |
| Annual return | 27.72% | 27.32%+0.4pp | 802.97%-775.2pp | 81.01%-53.3pp |
| Employer contribution / active EE | $1,219 | $3,324-63.3% | $5,144-76.3% | $2,440-50.1% |
| Participant deferral / active EE | $2,416 | $3,260-25.9% | $5,198-53.5% | $3,608-33.0% |
| Admin fee / account holder | $972 | $5,880-83.5% | $13,955-93.0% | $5,124-81.0% |