Filed April 15, 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 | $47,643 | $52,678-9.6% | $75,784-37.1% | $59,633-20.1% |
| Participation rate | 50.0% | 67.2%-17.2pp | 75.8%-25.8pp | 68.7%-18.7pp |
| Annual return | 0.39% | 2.95%-2.6pp | 9.68%-9.3pp | 2041.45%-2041.1pp |
| Employer contribution / active EE | $1,142 | $2,193-47.9% | $3,323-65.6% | $2,203-48.1% |
| Participant deferral / active EE | $2,611 | $2,591+0.8% | $3,652-28.5% | $3,192-18.2% |
| Admin fee / account holder | $774 | $3,610-78.6% | $5,300-85.4% | $4,297-82.0% |