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 | $53,063+34.3% | $124,206-42.6% | $82,637-13.7% |
| Participation rate | 29.5% | 58.4%-28.9pp | 69.6%-40.0pp | 68.1%-38.5pp |
| Annual return | 8.04% | 68.87%-60.8pp | 515.27%-507.2pp | 53.51%-45.5pp |
| Employer contribution / active EE | $0 | $1,530-100.0% | $3,540-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,698 | $2,644-35.8% | $3,968-57.2% | $4,126-58.8% |
| Admin fee / account holder | $2,378 | $4,281-44.5% | $5,929-59.9% | $7,339-67.6% |