Filed October 7, 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 | $79,328 | $199,109-60.2% | $173,730-54.3% | $154,746-48.7% |
| Participation rate | 54.2% | 82.8%-28.6pp | 79.6%-25.4pp | 80.7%-26.5pp |
| Annual return | 21.50% | 20.02%+1.5pp | 19.96%+1.5pp | 172.34%-150.8pp |
| Employer contribution / active EE | $2,475 | $5,311-53.4% | $4,577-45.9% | $4,379-43.5% |
| Participant deferral / active EE | $5,483 | $7,113-22.9% | $6,326-13.3% | $6,730-18.5% |
| Admin fee / account holder | $401 | $20,916-98.1% | $17,523-97.7% | $14,365-97.2% |