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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $28,117 | $73,863-61.9% | $143,797-80.4% | $68,490-58.9% |
| Participation rate | 44.1% | 66.7%-22.5pp | 80.3%-36.2pp | 67.9%-23.8pp |
| Annual return | -19.79% | 0.91%-20.7pp | -0.04%-19.8pp | -7.85%-11.9pp |
| Employer contribution / active EE | $1,391 | $3,185-56.3% | $4,952-71.9% | $2,597-46.4% |
| Participant deferral / active EE | $2,717 | $3,385-19.7% | $5,638-51.8% | $4,028-32.5% |
| Admin fee / account holder | $1,425 | $5,756-75.2% | $14,679-90.3% | $5,403-73.6% |