Filed February 15, 2018
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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 | $71,286 | $52,353+36.2% | $120,225-40.7% | $82,448-13.5% |
| Participation rate | 29.5% | 58.3%-28.8pp | 69.6%-40.0pp | 68.1%-38.5pp |
| Annual return | 8.04% | 61.85%-53.8pp | 439.23%-431.2pp | 41.64%-33.6pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,698 | $2,627-35.4% | $3,999-57.5% | $4,139-59.0% |
| Admin fee / account holder | $2,378 | $4,363-45.5% | $5,696-58.3% | $7,234-67.1% |