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 | $97,648-50.0% | $121,663-59.9% | $87,485-44.2% |
| Participation rate | 31.0% | 70.5%-39.4pp | 74.5%-43.5pp | 68.9%-37.9pp |
| Annual return | 16.29% | 18.03%-1.7pp | 147.54%-131.2pp | 26.06%-9.8pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,452 | $3,923-37.5% | $4,887-49.8% | $4,274-42.6% |
| Admin fee / account holder | $1,033 | $11,100-90.7% | $14,289-92.8% | $7,775-86.7% |