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 | $106,524-26.5% | $152,301-48.6% | $87,485-10.5% |
| Participation rate | 58.7% | 75.8%-17.0pp | 82.4%-23.7pp | 68.9%-10.2pp |
| Annual return | 52.90% | 26.89%+26.0pp | 80.50%-27.6pp | 26.06%+26.8pp |
| Employer contribution / active EE | $2,451 | $3,371-27.3% | $4,624-47.0% | $2,596-5.6% |
| Participant deferral / active EE | $5,257 | $6,525-19.4% | $8,004-34.3% | $4,274+23.0% |
| Admin fee / account holder | $9,745 | $8,287+17.6% | $14,398-32.3% | $7,775+25.3% |