Filed September 20, 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 | $108,340 | $123,793-12.5% | $177,840-39.1% | $79,852+35.7% |
| Participation rate | 68.6% | 84.7%-16.1pp | 87.7%-19.1pp | 69.6%-1.1pp |
| Annual return | 19.65% | 22.82%-3.2pp | 48.32%-28.7pp | 31.72%-12.1pp |
| Employer contribution / active EE | $3,082 | $4,095-24.7% | $5,919-47.9% | $2,471+24.7% |
| Participant deferral / active EE | $7,100 | $5,956+19.2% | $7,714-8.0% | $3,740+89.8% |
| Admin fee / account holder | $1,464 | $7,243-79.8% | $12,431-88.2% | $5,306-72.4% |