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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,151 | $89,225-40.4% | $136,072-60.9% | $74,459-28.6% |
| Participation rate | 58.6% | 69.4%-10.8pp | 76.4%-17.9pp | 67.2%-8.6pp |
| Annual return | 13.96% | 22.76%-8.8pp | 580.46%-566.5pp | 1369.70%-1355.7pp |
| Employer contribution / active EE | $513 | $2,816-81.8% | $4,216-87.8% | $2,626-80.5% |
| Participant deferral / active EE | $5,218 | $4,597+13.5% | $7,028-25.8% | $4,350+20.0% |
| Admin fee / account holder | $5,715 | $1,545+269.8% | $6,718-14.9% | $1,945+193.8% |