Filed November 20, 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 | $163,766 | $81,870+100.0% | $119,634+36.9% | $68,490+139.1% |
| Participation rate | 66.7% | 71.9%-5.2pp | 79.3%-12.6pp | 67.9%-1.2pp |
| Annual return | -14.56% | -23.82%+9.3pp | -14.98%+0.4pp | -7.85%-6.7pp |
| Employer contribution / active EE | $3,083 | $2,692+14.5% | $4,232-27.2% | $2,597+18.7% |
| Participant deferral / active EE | $4,041 | $4,148-2.6% | $5,601-27.9% | $4,028+0.3% |
| Admin fee / account holder | $5,379 | $6,583-18.3% | $10,329-47.9% | $5,403-0.4% |