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 | $41,007 | $125,190-67.2% | $105,624-61.2% | $145,897-71.9% |
| Participation rate | 36.8% | 77.6%-40.8pp | 75.3%-38.4pp | 80.3%-43.5pp |
| Annual return | 29.49% | 225.22%-195.7pp | 116.20%-86.7pp | 552.29%-522.8pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,168-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,658 | $5,716-53.5% | $5,013-47.0% | $6,689-60.3% |
| Admin fee / account holder | $2,661 | $17,138-84.5% | $10,961-75.7% | $13,390-80.1% |