Filed February 4, 2020
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $55,719 | $112,729-50.6% | $98,716-43.6% | $137,256-59.4% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 15.26% | 38.48%-23.2pp | 31.81%-16.6pp | 220.34%-205.1pp |
| Employer contribution / active EE | $590 | $2,725-78.3% | $2,279-74.1% | $4,156-85.8% |
| Participant deferral / active EE | $853 | $4,640-81.6% | $4,048-78.9% | $6,407-86.7% |
| Admin fee / account holder | $628 | $10,129-93.8% | $8,703-92.8% | $12,270-94.9% |