Filed October 21, 2019
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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 | $16,582 | $57,352-71.1% | $83,831-80.2% | $64,173-74.2% |
| Participation rate | 54.1% | 68.6%-14.6pp | 76.1%-22.1pp | 69.6%-15.5pp |
| Annual return | -5.89% | 11.38%-17.3pp | 850.99%-856.9pp | 7.63%-13.5pp |
| Employer contribution / active EE | $1,705 | $2,546-33.0% | $3,631-53.1% | $2,381-28.4% |
| Participant deferral / active EE | $2,646 | $2,993-11.6% | $4,082-35.2% | $3,470-23.7% |
| Admin fee / account holder | $709 | $4,046-82.5% | $5,479-87.1% | $4,887-85.5% |