Filed September 9, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $126,597 | $65,685+92.7% | $57,181+121.4% | $273,968-53.8% |
| Participation rate | 37.5% | 78.3%-40.8pp | 75.3%-37.8pp | 83.0%-45.5pp |
| Annual return | 0.63% | 21.99%-21.4pp | 14.59%-14.0pp | 41.45%-40.8pp |
| Employer contribution / active EE | $0 | $3,279-100.0% | $2,682-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,925 | $3,781-22.6% | $3,096-5.5% | $5,287-44.7% |
| Admin fee / account holder | $3,962 | $4,835-18.0% | $3,139+26.2% | $10,132-60.9% |