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 | $32,507 | $45,152-28.0% | $73,836-56.0% | $59,633-45.5% |
| Participation rate | 57.5% | 64.0%-6.5pp | 73.4%-15.9pp | 68.7%-11.2pp |
| Annual return | 36.47% | 27.40%+9.1pp | 2268.06%-2231.6pp | 2041.45%-2005.0pp |
| Employer contribution / active EE | $1,832 | $1,901-3.7% | $2,787-34.3% | $2,203-16.8% |
| Participant deferral / active EE | $2,359 | $2,573-8.3% | $3,583-34.2% | $3,192-26.1% |
| Admin fee / account holder | $1,900 | $3,515-45.9% | $4,882-61.1% | $4,297-55.8% |