Filed November 19, 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 | $40,412 | $114,712-64.8% | $173,730-76.7% | $87,485-53.8% |
| Participation rate | 54.2% | 73.0%-18.8pp | 79.6%-25.4pp | 68.9%-14.8pp |
| Annual return | 22.06% | 20.18%+1.9pp | 19.96%+2.1pp | 26.06%-4.0pp |
| Employer contribution / active EE | $2,552 | $2,904-12.1% | $4,577-44.2% | $2,596-1.7% |
| Participant deferral / active EE | $5,851 | $4,642+26.1% | $6,326-7.5% | $4,274+36.9% |
| Admin fee / account holder | $3,559 | $10,210-65.1% | $17,523-79.7% | $7,775-54.2% |