Filed August 28, 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 | $63,949 | $85,169-24.9% | $172,755-63.0% | $72,983-12.4% |
| Participation rate | 48.4% | 70.1%-21.7pp | 82.6%-34.3pp | 69.5%-21.1pp |
| Annual return | 24.80% | 27.32%-2.5pp | 802.94%-778.1pp | 81.01%-56.2pp |
| Employer contribution / active EE | $1,893 | $3,324-43.0% | $5,144-63.2% | $2,440-22.4% |
| Participant deferral / active EE | $2,383 | $3,260-26.9% | $5,198-54.2% | $3,608-33.9% |
| Admin fee / account holder | $2,082 | $5,880-64.6% | $13,955-85.1% | $5,124-59.4% |