Filed November 17, 2017
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $24,762 | $63,346-60.9% | $92,240-73.2% | $70,126-64.7% |
| Participation rate | 47.5% | 68.7%-21.2pp | 76.5%-29.0pp | 69.5%-22.0pp |
| Annual return | 18.11% | 530.19%-512.1pp | 176.29%-158.2pp | 73.15%-55.0pp |
| Employer contribution / active EE | $8 | $2,471-99.7% | $3,680-99.8% | $2,343-99.7% |
| Participant deferral / active EE | $1,318 | $2,854-53.8% | $3,897-66.2% | $3,332-60.4% |
| Admin fee / account holder | $1,647 | $3,841-57.1% | $5,194-68.3% | $4,645-64.6% |