Filed November 28, 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 | $83,604 | $80,731+3.6% | $103,378-19.1% | $74,400+12.4% |
| Participation rate | 42.5% | 65.7%-23.2pp | 74.5%-32.0pp | 67.2%-24.7pp |
| Annual return | 13.05% | 27.56%-14.5pp | 24.91%-11.9pp | 1367.51%-1354.5pp |
| Employer contribution / active EE | $1,504 | $3,159-52.4% | $3,870-61.1% | $2,624-42.7% |
| Participant deferral / active EE | $2,974 | $3,862-23.0% | $5,058-41.2% | $4,348-31.6% |
| Admin fee / account holder | $7,916 | $2,369+234.1% | $8,401-5.8% | $1,944+307.3% |