Filed April 26, 2019
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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 | $25,587 | $79,557-67.8% | $118,746-78.5% | $70,126-63.5% |
| Participation rate | 51.1% | 71.4%-20.3pp | 78.3%-27.2pp | 69.5%-18.5pp |
| Annual return | 32.75% | 25.64%+7.1pp | 24.54%+8.2pp | 73.15%-40.4pp |
| Employer contribution / active EE | $0 | $2,861-100.0% | $4,193-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,941 | $4,089-52.5% | $5,332-63.6% | $3,332-41.7% |
| Admin fee / account holder | $2,992 | $5,374-44.3% | $10,720-72.1% | $4,645-35.6% |