Filed May 3, 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $29,412 | $72,177-59.3% | $115,038-74.4% | $59,633-50.7% |
| Participation rate | 56.9% | 72.6%-15.7pp | 81.4%-24.5pp | 68.7%-11.8pp |
| Annual return | -4.29% | 12.02%-16.3pp | 26.14%-30.4pp | 2041.45%-2045.7pp |
| Employer contribution / active EE | $1,735 | $2,841-38.9% | $4,608-62.3% | $2,203-21.2% |
| Participant deferral / active EE | $3,979 | $4,783-16.8% | $6,026-34.0% | $3,192+24.7% |
| Admin fee / account holder | $788 | $4,927-84.0% | $8,175-90.4% | $4,297-81.7% |