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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,238 | $40,435-49.9% | $80,627-74.9% | $74,460-72.8% |
| Participation rate | 26.8% | 47.4%-20.5pp | 67.0%-40.2pp | 70.7%-43.9pp |
| Annual return | 27.51% | 165.19%-137.7pp | 936.76%-909.3pp | 34.38%-6.9pp |
| Employer contribution / active EE | $426 | $1,498-71.5% | $2,723-84.3% | $2,638-83.8% |
| Participant deferral / active EE | $3,223 | $2,673+20.6% | $4,443-27.5% | $4,530-28.8% |
| Admin fee / account holder | $1,913 | $721+165.4% | $5,381-64.5% | $348+449.9% |