Filed January 31, 2020
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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $272,327 | $60,139+352.8% | $90,461+201.0% | $79,856+241.0% |
| Participation rate | 10.0% | 65.0%-55.0pp | 72.7%-62.7pp | 69.6%-59.6pp |
| Annual return | 24.45% | 71.96%-47.5pp | 1294.76%-1270.3pp | 31.71%-7.3pp |
| Employer contribution / active EE | $39 | $2,069-98.1% | $3,264-98.8% | $2,471-98.4% |
| Participant deferral / active EE | $899 | $2,939-69.4% | $3,964-77.3% | $3,741-76.0% |
| Admin fee / account holder | $957 | $3,978-76.0% | $5,617-83.0% | $5,306-82.0% |