Filed July 31, 2020
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,475 | $74,188-94.0% | $115,756-96.1% | $64,824-93.1% |
| Participation rate | 63.5% | 76.2%-12.7pp | 77.1%-13.6pp | 71.5%-8.0pp |
| Annual return | -13.36% | -11.81%-1.6pp | 143.14%-156.5pp | 32.84%-46.2pp |
| Employer contribution / active EE | $0 | $3,365-100.0% | $3,793-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $0 | $5,294-100.0% | $6,254-100.0% | $4,311-100.0% |
| Admin fee / account holder | $51 | $148-65.9% | $8,124-99.4% | $188-73.1% |