Filed September 2, 2020
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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 | $50,475 | $152,651-66.9% | $105,218-52.0% | $125,389-59.7% |
| Participation rate | 62.5% | 81.5%-19.0pp | 77.2%-14.7pp | 83.2%-20.7pp |
| Annual return | -0.86% | 8.24%-9.1pp | 5.33%-6.2pp | 282.24%-283.1pp |
| Employer contribution / active EE | $0 | $4,802-100.0% | $3,255-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $16,245 | $6,660+143.9% | $4,867+233.8% | $5,352+203.5% |
| Admin fee / account holder | $6,804 | $14,248-52.2% | $6,992-2.7% | $9,541-28.7% |