Filed July 31, 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 | $32,616 | $127,387-74.4% | $115,038-71.6% | $125,389-74.0% |
| Participation rate | 62.5% | 84.2%-21.7pp | 81.4%-18.9pp | 83.2%-20.7pp |
| Annual return | -0.59% | 31.28%-31.9pp | 26.14%-26.7pp | 282.24%-282.8pp |
| Employer contribution / active EE | $1,120 | $5,166-78.3% | $4,608-75.7% | $4,866-77.0% |
| Participant deferral / active EE | $4,909 | $6,423-23.6% | $6,026-18.5% | $5,352-8.3% |
| Admin fee / account holder | $7,845 | $9,516-17.6% | $8,175-4.0% | $9,541-17.8% |