Filed December 18, 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 | $17,310 | $48,267-64.1% | $68,794-74.8% | $68,495-74.7% |
| Participation rate | 62.5% | 60.7%+1.8pp | 69.0%-6.5pp | 67.9%-5.4pp |
| Annual return | -6.14% | -12.70%+6.6pp | -6.37%+0.2pp | -7.84%+1.7pp |
| Employer contribution / active EE | $433 | $1,829-76.3% | $2,656-83.7% | $2,596-83.3% |
| Participant deferral / active EE | $3,466 | $2,867+20.9% | $3,941-12.1% | $4,028-13.9% |
| Admin fee / account holder | $3,996 | $4,362-8.4% | $4,934-19.0% | $5,403-26.0% |