Filed September 1, 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 | $41,178 | $79,209-48.0% | $102,434-59.8% | $74,459-44.7% |
| Participation rate | 65.8% | 74.8%-9.0pp | 76.5%-10.7pp | 67.2%-1.5pp |
| Annual return | 48.70% | 54.98%-6.3pp | 29.46%+19.2pp | 1369.70%-1321.0pp |
| Employer contribution / active EE | $2,589 | $2,362+9.6% | $3,023-14.4% | $2,626-1.4% |
| Participant deferral / active EE | $4,691 | $4,417+6.2% | $5,055-7.2% | $4,350+7.8% |
| Admin fee / account holder | $1,787 | $2,002-10.7% | $9,462-81.1% | $1,945-8.1% |