Filed November 7, 2017
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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 | $73,891 | $39,162+88.7% | $100,671-26.6% | $59,633+23.9% |
| Participation rate | 63.8% | 55.9%+7.9pp | 70.7%-6.9pp | 68.7%-4.9pp |
| Annual return | 9.37% | 21.07%-11.7pp | 20.43%-11.1pp | 2041.45%-2032.1pp |
| Employer contribution / active EE | $2,237 | $1,151+94.4% | $4,012-44.2% | $2,203+1.6% |
| Participant deferral / active EE | $4,742 | $1,992+138.1% | $3,144+50.8% | $3,192+48.6% |
| Admin fee / account holder | $1,168 | $2,969-60.7% | $4,850-75.9% | $4,297-72.8% |