Filed October 17, 2018
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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,996 | $74,089-69.0% | $133,975-82.8% | $55,167-58.3% |
| Participation rate | 88.1% | 84.3%+3.8pp | 87.1%+1.1pp | 69.0%+19.1pp |
| Annual return | 40.28% | 12.11%+28.2pp | 29.29%+11.0pp | 169.23%-128.9pp |
| Employer contribution / active EE | $940 | $3,064-69.3% | $5,211-82.0% | $1,963-52.1% |
| Participant deferral / active EE | $4,035 | $4,678-13.8% | $6,282-35.8% | $3,054+32.1% |
| Admin fee / account holder | $1,045 | $458+128.0% | $9,324-88.8% | $504+107.3% |