Filed September 4, 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 | $61,096 | $102,385-40.3% | $147,080-58.5% | $80,935-24.5% |
| Participation rate | 55.4% | 75.9%-20.5pp | 82.2%-26.8pp | 67.7%-12.3pp |
| Annual return | 16.98% | 135.09%-118.1pp | 420.17%-403.2pp | 35.66%-18.7pp |
| Employer contribution / active EE | $2,543 | $3,717-31.6% | $4,933-48.4% | $2,757-7.7% |
| Participant deferral / active EE | $5,576 | $6,651-16.2% | $8,066-30.9% | $4,299+29.7% |
| Admin fee / account holder | $4,352 | $7,951-45.3% | $12,989-66.5% | $6,924-37.1% |