Filed December 4, 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 | $75,824 | $87,106-13.0% | $105,607-28.2% | $80,935-6.3% |
| Participation rate | 27.3% | 70.4%-43.2pp | 75.3%-48.0pp | 67.7%-40.4pp |
| Annual return | 15.57% | 17.01%-1.4pp | 116.11%-100.5pp | 35.66%-20.1pp |
| Employer contribution / active EE | $1,679 | $2,396-29.9% | $3,167-47.0% | $2,757-39.1% |
| Participant deferral / active EE | $3,841 | $3,986-3.6% | $5,011-23.4% | $4,299-10.7% |
| Admin fee / account holder | $1,243 | $8,447-85.3% | $10,958-88.7% | $6,924-82.0% |