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 | $87,923 | $57,350+53.3% | $83,850+4.9% | $64,181+37.0% |
| Participation rate | 54.2% | 68.6%-14.4pp | 76.1%-21.9pp | 69.6%-15.3pp |
| Annual return | -5.92% | 11.38%-17.3pp | 850.92%-856.8pp | 7.63%-13.6pp |
| Employer contribution / active EE | $1,307 | $2,545-48.7% | $3,631-64.0% | $2,381-45.1% |
| Participant deferral / active EE | $2,109 | $2,993-29.5% | $4,082-48.3% | $3,470-39.2% |
| Admin fee / account holder | $1,680 | $4,046-58.5% | $5,478-69.3% | $4,887-65.6% |