Filed December 13, 2017
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $21,557 | $51,769-58.4% | $57,349-62.4% | $52,331-58.8% |
| Participation rate | 49.2% | 75.2%-26.0pp | 75.1%-25.9pp | 68.1%-18.9pp |
| Annual return | 1.30% | 2.43%-1.1pp | 24.40%-23.1pp | 4.54%-3.2pp |
| Employer contribution / active EE | $0 | $2,335-100.0% | $2,689-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,113 | $2,794-24.4% | $3,162-33.2% | $3,022-30.1% |
| Admin fee / account holder | $2,650 | $295+799.0% | $3,356-21.0% | $592+347.9% |