Filed June 25, 2020 (most recent of 3 filings on file)
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $44,322 | $45,872-3.4% | $77,096-42.5% | $68,486-35.3% |
| Participation rate | 37.7% | 55.9%-18.2pp | 67.9%-30.2pp | 67.9%-30.2pp |
| Annual return | -22.26% | 1.73%-24.0pp | 42.35%-64.6pp | -7.85%-14.4pp |
| Employer contribution / active EE | $3,068 | $1,650+86.0% | $2,814+9.0% | $2,597+18.2% |
| Participant deferral / active EE | $5,974 | $2,963+101.6% | $4,429+34.9% | $4,028+48.3% |
| Admin fee / account holder | $3,972 | $3,041+30.6% | $5,428-26.8% | $5,404-26.5% |