Filed February 18, 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 | $47,265 | $78,690-39.9% | $161,489-70.7% | $87,485-46.0% |
| Participation rate | 28.2% | 67.5%-39.3pp | 78.7%-50.5pp | 68.9%-40.8pp |
| Annual return | 19.32% | 32.74%-13.4pp | 89.72%-70.4pp | 26.06%-6.7pp |
| Employer contribution / active EE | $795 | $2,588-69.3% | $4,268-81.4% | $2,596-69.4% |
| Participant deferral / active EE | $2,339 | $3,311-29.4% | $5,630-58.5% | $4,274-45.3% |
| Admin fee / account holder | $1,582 | $6,724-76.5% | $16,006-90.1% | $7,775-79.7% |