Filed March 11, 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 | $116,798 | $58,258+100.5% | $81,820+42.8% | $80,925+44.3% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.4%-22.4pp | 67.7%-17.7pp |
| Annual return | 20.80% | 41.76%-21.0pp | 777.93%-757.1pp | 35.65%-14.8pp |
| Employer contribution / active EE | $2,719 | $2,345+15.9% | $2,915-6.7% | $2,756-1.4% |
| Participant deferral / active EE | $4,684 | $3,284+42.7% | $4,323+8.4% | $4,299+9.0% |
| Admin fee / account holder | $3,291 | $4,976-33.9% | $7,391-55.5% | $6,940-52.6% |