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 | $48,823 | $94,031-48.1% | $115,768-57.8% | $82,448-40.8% |
| Participation rate | 31.0% | 70.4%-39.4pp | 74.4%-43.4pp | 68.1%-37.0pp |
| Annual return | 16.29% | 20.61%-4.3pp | 100.46%-84.2pp | 41.64%-25.3pp |
| Employer contribution / active EE | $0 | $2,323-100.0% | $2,940-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,452 | $3,972-38.3% | $4,917-50.1% | $4,139-40.8% |
| Admin fee / account holder | $1,033 | $10,249-89.9% | $12,439-91.7% | $7,234-85.7% |