Filed February 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 | $54,848 | $208,088-73.6% | $186,193-70.5% | $154,746-64.6% |
| Participation rate | 30.4% | 80.0%-49.6pp | 77.1%-46.7pp | 80.7%-50.3pp |
| Annual return | 14.28% | 89.97%-75.7pp | 78.03%-63.7pp | 172.34%-158.1pp |
| Employer contribution / active EE | $0 | $4,340-100.0% | $3,918-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $3,094 | $7,078-56.3% | $6,513-52.5% | $6,730-54.0% |
| Admin fee / account holder | $2,316 | $11,698-80.2% | $11,058-79.1% | $14,365-83.9% |