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.)
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 | $96,176 | $73,546+30.8% | $63,018+52.6% | $147,586-34.8% |
| Participation rate | 41.7% | 77.9%-36.2pp | 74.8%-33.1pp | 82.8%-41.2pp |
| Annual return | 11.58% | 175.56%-164.0pp | 87.62%-76.0pp | 578.59%-567.0pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $2,761-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,900 | $4,185-6.8% | $3,330+17.1% | $5,439-28.3% |
| Admin fee / account holder | $76,428 | $5,956+1183.3% | $3,601+2022.6% | $10,886+602.1% |