Filed February 5, 2020
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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $448,637 | $112,099+300.2% | $95,954+367.6% | $158,931+182.3% |
| Participation rate | 50.0% | 79.0%-29.0pp | 77.1%-27.1pp | 82.0%-32.0pp |
| Annual return | 28.19% | 171.12%-142.9pp | 91.62%-63.4pp | 302.86%-274.7pp |
| Employer contribution / active EE | $1,387 | $3,198-56.6% | $2,541-45.4% | $4,761-70.9% |
| Participant deferral / active EE | $2,479 | $4,784-48.2% | $4,167-40.5% | $5,982-58.6% |
| Admin fee / account holder | $52,555 | $10,132+418.7% | $6,796+673.3% | $11,247+367.3% |