Filed February 3, 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 | $14,175 | $27,243-48.0% | $52,425-73.0% | $79,634-82.2% |
| Participation rate | 3.7% | 22.4%-18.8pp | 55.6%-52.0pp | 62.5%-58.8pp |
| Annual return | 15.09% | 63.36%-48.3pp | 302.12%-287.0pp | 36.46%-21.4pp |
| Employer contribution / active EE | $0 | $319-100.0% | $914-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $260 | $636-59.1% | $1,790-85.5% | $3,835-93.2% |
| Admin fee / account holder | $2,720 | $2,105+29.2% | $2,495+9.0% | $1,002+171.5% |