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.)
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 | $107,854 | $93,598+15.2% | $135,974-20.7% | $75,173+43.5% |
| Participation rate | 66.7% | 75.2%-8.5pp | 81.9%-15.3pp | 67.2%-0.5pp |
| Annual return | 19.31% | 30.89%-11.6pp | 68.30%-49.0pp | 160.72%-141.4pp |
| Employer contribution / active EE | $3,126 | $3,538-11.7% | $4,859-35.7% | $2,671+17.0% |
| Participant deferral / active EE | $5,531 | $6,405-13.6% | $7,760-28.7% | $4,126+34.1% |
| Admin fee / account holder | $2,776 | $6,978-60.2% | $10,767-74.2% | $5,651-50.9% |