Filed October 29, 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 | $60,070 | $69,733-13.9% | $161,596-62.8% | $69,733-13.9% |
| Participation rate | 57.7% | 62.5%-4.8pp | 80.7%-23.0pp | 62.5%-4.8pp |
| Annual return | 14.67% | 15.22%-0.5pp | 389.92%-375.2pp | 15.22%-0.5pp |
| Employer contribution / active EE | $511 | $2,250-77.3% | $3,977-87.2% | $2,250-77.3% |
| Participant deferral / active EE | $5,149 | $3,054+68.6% | $6,750-23.7% | $3,054+68.6% |
| Admin fee / account holder | $5,818 | $3,102+87.6% | $13,161-55.8% | $3,102+87.6% |