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 | $27,459 | $77,920-64.8% | $149,723-81.7% | $75,177-63.5% |
| Participation rate | 51.0% | 65.6%-14.6pp | 78.8%-27.8pp | 67.2%-16.2pp |
| Annual return | 22.88% | 31.72%-8.8pp | 134.50%-111.6pp | 160.75%-137.9pp |
| Employer contribution / active EE | $1,311 | $3,138-58.2% | $4,821-72.8% | $2,671-50.9% |
| Participant deferral / active EE | $2,435 | $3,411-28.6% | $5,682-57.2% | $4,126-41.0% |
| Admin fee / account holder | $346 | $5,951-94.2% | $13,215-97.4% | $5,651-93.9% |