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 | $54,724 | $52,678+3.9% | $75,784-27.8% | $59,633-8.2% |
| Participation rate | 67.8% | 67.2%+0.6pp | 75.8%-8.0pp | 68.7%-0.9pp |
| Annual return | 6.90% | 2.95%+3.9pp | 9.68%-2.8pp | 2041.40%-2034.5pp |
| Employer contribution / active EE | $1,768 | $2,193-19.4% | $3,323-46.8% | $2,203-19.7% |
| Participant deferral / active EE | $2,261 | $2,591-12.7% | $3,652-38.1% | $3,192-29.2% |
| Admin fee / account holder | $5,004 | $3,610+38.6% | $5,300-5.6% | $4,297+16.4% |