Filed November 17, 2017
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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 | $66,716 | $88,672-24.8% | $105,223-36.6% | $82,448-19.1% |
| Participation rate | 44.1% | 67.9%-23.9pp | 75.0%-31.0pp | 68.1%-24.0pp |
| Annual return | 15.40% | 30.86%-15.5pp | 180.65%-165.3pp | 41.64%-26.2pp |
| Employer contribution / active EE | $0 | $3,048-100.0% | $3,689-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,815 | $4,036-55.0% | $5,072-64.2% | $4,139-56.2% |
| Admin fee / account holder | $4,122 | $7,146-42.3% | $8,859-53.5% | $7,234-43.0% |