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 | $26,060 | $142,392-81.7% | $119,622-78.2% | $134,532-80.6% |
| Participation rate | 64.7% | 82.8%-18.1pp | 79.3%-14.6pp | 81.2%-16.5pp |
| Annual return | -17.55% | -12.46%-5.1pp | -14.98%-2.6pp | 418.27%-435.8pp |
| Employer contribution / active EE | $2,301 | $5,224-56.0% | $4,232-45.6% | $4,741-51.5% |
| Participant deferral / active EE | $3,730 | $6,467-42.3% | $5,601-33.4% | $6,401-41.7% |
| Admin fee / account holder | $700 | $13,593-94.9% | $10,328-93.2% | $11,429-93.9% |