Filed December 13, 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 | $67,213 | $52,884+27.1% | $84,753-20.7% | $55,167+21.8% |
| Participation rate | 53.8% | 67.5%-13.7pp | 76.6%-22.8pp | 69.0%-15.2pp |
| Annual return | 13.10% | 18.03%-4.9pp | 22.78%-9.7pp | 169.23%-156.1pp |
| Employer contribution / active EE | $1,584 | $2,233-29.1% | $3,574-55.7% | $1,963-19.3% |
| Participant deferral / active EE | $3,484 | $2,644+31.8% | $3,712-6.1% | $3,054+14.1% |
| Admin fee / account holder | $1,747 | $581+200.8% | $5,333-67.2% | $504+246.7% |