Filed April 16, 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 | $46,253 | $60,454-23.5% | $81,844-43.5% | $74,459-37.9% |
| Participation rate | 44.6% | 63.0%-18.3pp | 72.4%-27.8pp | 67.2%-22.6pp |
| Annual return | 19.26% | 16.87%+2.4pp | 778.87%-759.6pp | 1369.70%-1350.4pp |
| Employer contribution / active EE | $819 | $2,630-68.8% | $2,916-71.9% | $2,626-68.8% |
| Participant deferral / active EE | $1,475 | $3,398-56.6% | $4,323-65.9% | $4,350-66.1% |
| Admin fee / account holder | $1,793 | $1,490+20.3% | $7,355-75.6% | $1,945-7.8% |