Filed August 9, 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 | $182,773 | $160,040+14.2% | $147,096+24.3% | $145,877+25.3% |
| Participation rate | 69.2% | 84.0%-14.8pp | 82.2%-12.9pp | 80.3%-11.1pp |
| Annual return | 11.51% | 98.49%-87.0pp | 419.75%-408.2pp | 551.28%-539.8pp |
| Employer contribution / active EE | $3,195 | $5,289-39.6% | $4,936-35.3% | $4,663-31.5% |
| Participant deferral / active EE | $9,442 | $8,429+12.0% | $8,071+17.0% | $6,691+41.1% |
| Admin fee / account holder | $1,525 | $15,050-89.9% | $13,005-88.3% | $13,402-88.6% |