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 | $76,407-38.1% | $150,298-68.6% | $82,448-42.7% |
| Participation rate | 28.2% | 66.4%-38.2pp | 77.8%-49.6pp | 68.1%-39.9pp |
| Annual return | 19.32% | 39.99%-20.7pp | 62.79%-43.5pp | 41.64%-22.3pp |
| Employer contribution / active EE | $795 | $2,614-69.6% | $4,154-80.9% | $2,551-68.8% |
| Participant deferral / active EE | $2,339 | $3,214-27.2% | $5,453-57.1% | $4,139-43.5% |
| Admin fee / account holder | $1,582 | $6,352-75.1% | $14,116-88.8% | $7,234-78.1% |