Filed May 5, 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 | $54,475 | $81,446-33.1% | $103,374-47.3% | $80,874-32.6% |
| Participation rate | 54.2% | 66.9%-12.6pp | 74.5%-20.3pp | 67.6%-13.4pp |
| Annual return | 11.51% | 25.57%-14.1pp | 24.89%-13.4pp | 35.62%-24.1pp |
| Employer contribution / active EE | $1,696 | $3,107-45.4% | $3,869-56.2% | $2,756-38.5% |
| Participant deferral / active EE | $3,553 | $3,870-8.2% | $5,058-29.7% | $4,297-17.3% |
| Admin fee / account holder | $4,153 | $6,715-38.2% | $8,394-50.5% | $6,935-40.1% |