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 | $26,755 | $77,908-65.7% | $149,696-82.1% | $75,173-64.4% |
| Participation rate | 62.0% | 65.6%-3.6pp | 78.8%-16.8pp | 67.2%-5.2pp |
| Annual return | 13.83% | 31.73%-17.9pp | 134.46%-120.6pp | 160.72%-146.9pp |
| Employer contribution / active EE | $1,664 | $3,138-47.0% | $4,821-65.5% | $2,671-37.7% |
| Participant deferral / active EE | $3,311 | $3,411-2.9% | $5,682-41.7% | $4,126-19.8% |
| Admin fee / account holder | $5,959 | $5,950+0.2% | $13,212-54.9% | $5,651+5.5% |