Filed October 4, 2019
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $60,972 | $83,369-26.9% | $105,223-42.1% | $67,986-10.3% |
| Participation rate | 37.7% | 56.3%-18.6pp | 75.0%-37.4pp | 57.2%-19.5pp |
| Annual return | 10.35% | 24.64%-14.3pp | 180.65%-170.3pp | 31.67%-21.3pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,490 | $3,295-54.8% | $5,072-70.6% | $3,358-55.6% |
| Admin fee / account holder | $7,960 | $4,073+95.5% | $8,859-10.1% | $3,203+148.5% |