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 | $34,873 | $118,467-70.6% | $98,450-64.6% | $139,456-75.0% |
| Participation rate | 36.8% | 77.5%-40.6pp | 75.2%-38.3pp | 80.3%-43.5pp |
| Annual return | 48.33% | 18.95%+29.4pp | 21.16%+27.2pp | 373.45%-325.1pp |
| Employer contribution / active EE | $0 | $3,611-100.0% | $3,049-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $1,566 | $5,393-71.0% | $4,739-67.0% | $6,711-76.7% |
| Admin fee / account holder | $1,260 | $14,057-91.0% | $8,961-85.9% | $11,407-89.0% |