Filed December 18, 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 | $126,287 | $212,386-40.5% | $199,883-36.8% | $138,895-9.1% |
| Participation rate | 62.5% | 87.4%-24.9pp | 86.8%-24.3pp | 79.9%-17.4pp |
| Annual return | 19.10% | 47.75%-28.7pp | 43.81%-24.7pp | 145.39%-126.3pp |
| Employer contribution / active EE | $6,417 | $6,625-3.1% | $6,261+2.5% | $4,194+53.0% |
| Participant deferral / active EE | $10,399 | $9,617+8.1% | $9,138+13.8% | $6,396+62.6% |
| Admin fee / account holder | $6,299 | $18,233-65.5% | $17,268-63.5% | $12,562-49.9% |