Filed February 7, 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 | $103,468 | $71,873+44.0% | $86,698+19.3% | $68,490+51.1% |
| Participation rate | 48.0% | 72.2%-24.2pp | 76.6%-28.6pp | 67.9%-19.9pp |
| Annual return | -11.37% | 3.54%-14.9pp | 35.96%-47.3pp | -7.85%-3.5pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,669 | $3,779-29.4% | $4,656-42.7% | $4,028-33.7% |
| Admin fee / account holder | $8,062 | $6,110+31.9% | $7,492+7.6% | $5,403+49.2% |