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 | $44,318 | $54,763-19.1% | $90,324-50.9% | $72,976-39.3% |
| Participation rate | 34.7% | 65.2%-30.4pp | 73.3%-38.5pp | 69.5%-34.8pp |
| Annual return | 31.12% | 30.63%+0.5pp | 78.15%-47.0pp | 81.02%-49.9pp |
| Employer contribution / active EE | $846 | $2,093-59.6% | $2,856-70.4% | $2,440-65.3% |
| Participant deferral / active EE | $1,321 | $2,887-54.2% | $3,885-66.0% | $3,608-63.4% |
| Admin fee / account holder | $2,421 | $3,973-39.1% | $5,356-54.8% | $5,124-52.8% |