Filed December 18, 2019
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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 | $26,478 | $76,407-65.3% | $150,298-82.4% | $82,448-67.9% |
| Participation rate | 63.6% | 66.4%-2.8pp | 77.8%-14.1pp | 68.1%-4.4pp |
| Annual return | 15.43% | 39.99%-24.6pp | 62.79%-47.4pp | 41.64%-26.2pp |
| Employer contribution / active EE | $2,128 | $2,614-18.6% | $4,154-48.8% | $2,551-16.6% |
| Participant deferral / active EE | $3,443 | $3,214+7.1% | $5,453-36.9% | $4,139-16.8% |
| Admin fee / account holder | $11,473 | $6,352+80.6% | $14,116-18.7% | $7,234+58.6% |