Filed March 26, 2018
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $65,528 | $78,705-16.7% | $117,857-44.4% | $70,131-6.6% |
| Participation rate | 55.7% | 73.2%-17.5pp | 79.7%-23.9pp | 69.5%-13.8pp |
| Annual return | 15.57% | 23.30%-7.7pp | 335.09%-319.5pp | 73.14%-57.6pp |
| Employer contribution / active EE | $219 | $2,223-90.2% | $3,786-94.2% | $2,342-90.7% |
| Participant deferral / active EE | $3,321 | $3,297+0.7% | $4,482-25.9% | $3,332-0.3% |
| Admin fee / account holder | $3,368 | $5,065-33.5% | $8,020-58.0% | $4,645-27.5% |