Filed December 10, 2018
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $19,553 | $98,776-80.2% | $149,745-86.9% | $79,856-75.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 15.66% | 27.38%-11.7pp | 276.72%-261.1pp | 31.71%-16.1pp |
| Employer contribution / active EE | $3,385 | $3,217+5.2% | $4,646-27.1% | $2,471+37.0% |
| Participant deferral / active EE | $4,013 | $5,681-29.4% | $6,843-41.4% | $3,741+7.3% |
| Admin fee / account holder | $371 | $6,053-93.9% | $9,312-96.0% | $5,306-93.0% |