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 | $125,193-67.2% | $105,591-61.2% | $145,978-71.9% |
| Participation rate | 36.8% | 77.6%-40.8pp | 75.3%-38.4pp | 80.3%-43.5pp |
| Annual return | 29.49% | 225.53%-196.0pp | 116.43%-86.9pp | 550.52%-521.0pp |
| Employer contribution / active EE | $0 | $3,718-100.0% | $3,166-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,658 | $5,708-53.4% | $5,008-46.9% | $6,690-60.3% |
| Admin fee / account holder | $2,661 | $17,277-84.6% | $11,024-75.9% | $13,400-80.1% |