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 | $115,931-65.1% | $185,441-78.2% | $86,983-53.5% |
| Participation rate | 54.2% | 73.6%-19.5pp | 80.3%-26.1pp | 69.5%-15.4pp |
| Annual return | 22.06% | 21.47%+0.6pp | 20.16%+1.9pp | 25.83%-3.8pp |
| Employer contribution / active EE | $2,552 | $2,937-13.1% | $4,672-45.4% | $2,584-1.2% |
| Participant deferral / active EE | $5,851 | $4,551+28.6% | $6,152-4.9% | $4,194+39.5% |
| Admin fee / account holder | $3,559 | $10,687-66.7% | $17,890-80.1% | $7,856-54.7% |