Filed February 7, 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 | $169,541 | $97,020+74.7% | $83,322+103.5% | $135,379+25.2% |
| Participation rate | 66.7% | 80.4%-13.7pp | 77.8%-11.1pp | 82.6%-16.0pp |
| Annual return | -4.55% | 12.31%-16.9pp | 10.64%-15.2pp | 519.79%-524.3pp |
| Employer contribution / active EE | $7,378 | $4,144+78.1% | $3,379+118.3% | $4,779+54.4% |
| Participant deferral / active EE | $10,892 | $5,964+82.6% | $5,565+95.7% | $5,609+94.2% |
| Admin fee / account holder | $2,193 | $8,426-74.0% | $7,540-70.9% | $10,828-79.7% |