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 | $78,331 | $106,749-26.6% | $145,433-46.1% | $82,448-5.0% |
| Participation rate | 58.7% | 75.6%-16.9pp | 82.1%-23.4pp | 68.1%-9.3pp |
| Annual return | 52.90% | 27.59%+25.3pp | 66.58%-13.7pp | 41.64%+11.3pp |
| Employer contribution / active EE | $2,451 | $3,444-28.8% | $4,554-46.2% | $2,551-3.9% |
| Participant deferral / active EE | $5,257 | $6,519-19.4% | $7,897-33.4% | $4,139+27.0% |
| Admin fee / account holder | $9,745 | $8,390+16.2% | $13,129-25.8% | $7,234+34.7% |