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 | $30,591 | $81,358-62.4% | $155,556-80.3% | $80,959-62.2% |
| Participation rate | 50.8% | 66.3%-15.4pp | 78.2%-27.4pp | 67.7%-16.8pp |
| Annual return | 13.65% | 33.39%-19.7pp | 64.84%-51.2pp | 35.67%-22.0pp |
| Employer contribution / active EE | $1,534 | $3,106-50.6% | $4,675-67.2% | $2,757-44.4% |
| Participant deferral / active EE | $2,512 | $3,455-27.3% | $5,631-55.4% | $4,300-41.6% |
| Admin fee / account holder | $621 | $7,994-92.2% | $15,885-96.1% | $6,925-91.0% |