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 | $80,674-24.4% | $119,126-48.8% | $64,340-5.2% |
| Participation rate | 37.7% | 55.2%-17.5pp | 75.8%-38.1pp | 55.2%-17.6pp |
| Annual return | 10.35% | 26.86%-16.5pp | 282.11%-271.8pp | 24.14%-13.8pp |
| Employer contribution / active EE | $0 | $2,564-100.0% | $4,034-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $1,490 | $3,053-51.2% | $5,318-72.0% | $2,980-50.0% |
| Admin fee / account holder | $7,960 | $4,559+74.6% | $10,693-25.6% | $3,703+115.0% |