Filed November 17, 2017
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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 | $66,716 | $105,284-36.6% | $150,734-55.7% | $94,015-29.0% |
| Participation rate | 44.1% | 71.7%-27.7pp | 78.4%-34.4pp | 70.8%-26.8pp |
| Annual return | 15.40% | 15.67%-0.3pp | 600.81%-585.4pp | 17.84%-2.4pp |
| Employer contribution / active EE | $0 | $3,599-100.0% | $4,918-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,815 | $4,274-57.5% | $5,610-67.6% | $4,249-57.3% |
| Admin fee / account holder | $4,122 | $9,839-58.1% | $14,905-72.3% | $8,951-53.9% |