Filed October 28, 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.)
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 | $108,264 | $131,167-17.5% | $300,027-63.9% | $131,167-17.5% |
| Participation rate | 38.5% | 70.6%-32.1pp | 85.4%-46.9pp | 70.6%-32.1pp |
| Annual return | 10.75% | 14.69%-3.9pp | 0.69%+10.1pp | 14.69%-3.9pp |
| Employer contribution / active EE | $0 | $3,654-100.0% | $4,895-100.0% | $3,654-100.0% |
| Participant deferral / active EE | $2,776 | $4,079-31.9% | $4,519-38.6% | $4,079-31.9% |
| Admin fee / account holder | $3,516 | $12,045-70.8% | $15,856-77.8% | $12,045-70.8% |