Filed March 12, 2019
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $21,785 | $72,177-69.8% | $115,037-81.1% | $59,633-63.5% |
| Participation rate | 25.5% | 72.6%-47.1pp | 81.4%-55.9pp | 68.7%-43.2pp |
| Annual return | -0.92% | 12.02%-12.9pp | 26.14%-27.1pp | 2041.40%-2042.3pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,811 | $4,783-62.1% | $6,026-70.0% | $3,192-43.3% |
| Admin fee / account holder | $3,841 | $4,927-22.0% | $8,175-53.0% | $4,297-10.6% |