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.)
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 | $58,321 | $46,877+24.4% | $122,354-52.3% | $70,126-16.8% |
| Participation rate | 34.3% | 58.2%-23.9pp | 71.6%-37.4pp | 69.5%-35.3pp |
| Annual return | 14.15% | 24.22%-10.1pp | 30.28%-16.1pp | 73.15%-59.0pp |
| Employer contribution / active EE | $0 | $1,288-100.0% | $4,051-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,439 | $2,167-33.6% | $3,287-56.2% | $3,332-56.8% |
| Admin fee / account holder | $10,229 | $3,324+207.7% | $5,479+86.7% | $4,645+120.2% |