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 | $60,199 | $60,139+0.1% | $90,461-33.5% | $79,856-24.6% |
| Participation rate | 38.2% | 65.0%-26.8pp | 72.7%-34.5pp | 69.6%-31.5pp |
| Annual return | 32.65% | 71.96%-39.3pp | 1294.76%-1262.1pp | 31.71%+0.9pp |
| Employer contribution / active EE | $1,559 | $2,069-24.7% | $3,264-52.2% | $2,471-36.9% |
| Participant deferral / active EE | $2,346 | $2,939-20.2% | $3,964-40.8% | $3,741-37.3% |
| Admin fee / account holder | $2,216 | $3,978-44.3% | $5,617-60.6% | $5,306-58.2% |