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 | $78,690-66.4% | $161,489-83.6% | $87,485-69.7% |
| Participation rate | 63.6% | 67.5%-3.8pp | 78.7%-15.1pp | 68.9%-5.3pp |
| Annual return | 15.43% | 32.74%-17.3pp | 89.72%-74.3pp | 26.06%-10.6pp |
| Employer contribution / active EE | $2,128 | $2,588-17.8% | $4,268-50.1% | $2,596-18.0% |
| Participant deferral / active EE | $3,443 | $3,311+4.0% | $5,630-38.8% | $4,274-19.4% |
| Admin fee / account holder | $11,473 | $6,724+70.6% | $16,006-28.3% | $7,775+47.6% |