Filed September 25, 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 | $56,841 | $65,566-13.3% | $86,235-34.1% | $75,177-24.4% |
| Participation rate | 63.0% | 60.5%+2.5pp | 69.0%-5.9pp | 67.2%-4.2pp |
| Annual return | 15.80% | 46.07%-30.3pp | 1170.03%-1154.2pp | 160.75%-144.9pp |
| Employer contribution / active EE | $523 | $1,553-66.3% | $2,381-78.0% | $2,671-80.4% |
| Participant deferral / active EE | $3,428 | $3,023+13.4% | $3,987-14.0% | $4,126-16.9% |
| Admin fee / account holder | $3,321 | $5,470-39.3% | $6,856-51.6% | $5,651-41.2% |