Filed October 29, 2018
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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 | $60,070 | $84,685-29.1% | $142,942-58.0% | $67,986-11.6% |
| Participation rate | 57.7% | 61.4%-3.7pp | 76.8%-19.2pp | 57.2%+0.5pp |
| Annual return | 14.67% | 35.89%-21.2pp | 113.70%-99.0pp | 31.67%-17.0pp |
| Employer contribution / active EE | $511 | $2,263-77.4% | $4,139-87.7% | $2,019-74.7% |
| Participant deferral / active EE | $5,149 | $3,832+34.4% | $7,128-27.8% | $3,358+53.3% |
| Admin fee / account holder | $5,818 | $3,229+80.2% | $12,475-53.4% | $3,203+81.6% |