Filed October 14, 2019
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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 | $50,747 | $71,197-28.7% | $93,669-45.8% | $80,925-37.3% |
| Participation rate | 69.8% | 60.4%+9.4pp | 68.7%+1.0pp | 67.7%+2.1pp |
| Annual return | 14.07% | 11.27%+2.8pp | 133.59%-119.5pp | 35.65%-21.6pp |
| Employer contribution / active EE | $3,117 | $1,565+99.2% | $2,424+28.6% | $2,756+13.1% |
| Participant deferral / active EE | $5,588 | $4,036+38.5% | $4,416+26.5% | $4,299+30.0% |
| Admin fee / account holder | $3,218 | $6,959-53.8% | $8,291-61.2% | $6,940-53.6% |