Filed February 22, 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 | $118,842 | $81,487+45.8% | $102,412+16.0% | $80,935+46.8% |
| Participation rate | 36.1% | 66.8%-30.8pp | 74.5%-38.4pp | 67.7%-31.6pp |
| Annual return | 11.04% | 25.60%-14.6pp | 24.94%-13.9pp | 35.66%-24.6pp |
| Employer contribution / active EE | $830 | $3,103-73.3% | $3,870-78.6% | $2,757-69.9% |
| Participant deferral / active EE | $2,493 | $3,871-35.6% | $5,060-50.7% | $4,299-42.0% |
| Admin fee / account holder | $44,372 | $6,717+560.6% | $8,388+429.0% | $6,924+540.8% |