Filed January 22, 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 | $36,961 | $102,385-63.9% | $147,080-74.9% | $80,935-54.3% |
| Participation rate | 58.8% | 75.9%-17.0pp | 82.2%-23.4pp | 67.7%-8.8pp |
| Annual return | 12.52% | 135.09%-122.6pp | 420.17%-407.7pp | 35.66%-23.1pp |
| Employer contribution / active EE | $11,966 | $3,717+222.0% | $4,933+142.6% | $2,757+334.1% |
| Participant deferral / active EE | $3,542 | $6,651-46.7% | $8,066-56.1% | $4,299-17.6% |
| Admin fee / account holder | $2,967 | $7,951-62.7% | $12,989-77.2% | $6,924-57.1% |