Filed February 20, 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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,024 | $50,464-34.6% | $75,784-56.4% | $52,331-36.9% |
| Participation rate | 68.9% | 66.8%+2.2pp | 75.8%-6.9pp | 68.1%+0.8pp |
| Annual return | -1.64% | 1.03%-2.7pp | 9.68%-11.3pp | 4.54%-6.2pp |
| Employer contribution / active EE | $689 | $1,988-65.3% | $3,323-79.3% | $1,882-63.4% |
| Participant deferral / active EE | $2,775 | $2,570+8.0% | $3,652-24.0% | $3,022-8.2% |
| Admin fee / account holder | $1,826 | $1,103+65.6% | $5,300-65.5% | $592+208.7% |