Filed January 26, 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 | $121,421 | $81,457+49.1% | $103,378+17.5% | $80,911+50.1% |
| Participation rate | 28.6% | 66.8%-38.3pp | 74.5%-45.9pp | 67.6%-39.1pp |
| Annual return | 17.95% | 25.58%-7.6pp | 24.91%-7.0pp | 35.63%-17.7pp |
| Employer contribution / active EE | $1,579 | $3,107-49.2% | $3,870-59.2% | $2,756-42.7% |
| Participant deferral / active EE | $3,193 | $3,871-17.5% | $5,058-36.9% | $4,297-25.7% |
| Admin fee / account holder | $16,093 | $6,717+139.6% | $8,401+91.6% | $6,935+132.1% |