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 | $54,829 | $102,065-46.3% | $453,569-87.9% | $85,851-36.1% |
| Participation rate | 67.7% | 72.4%-4.6pp | 78.0%-10.3pp | 69.3%-1.6pp |
| Annual return | 0.00% | 25.44%-25.4pp | 64.43%-64.4pp | 318.63%-318.6pp |
| Employer contribution / active EE | $423 | $2,852-85.2% | $4,072-89.6% | $2,565-83.5% |
| Participant deferral / active EE | $4,235 | $4,789-11.6% | $6,211-31.8% | $3,952+7.2% |
| Admin fee / account holder | $1,399 | $5,717-75.5% | $11,214-87.5% | $6,261-77.7% |