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 | $67,902 | $72,404-6.2% | $110,243-38.4% | $64,173+5.8% |
| Participation rate | 52.8% | 73.3%-20.6pp | 79.8%-27.0pp | 69.6%-16.8pp |
| Annual return | -5.52% | -6.29%+0.8pp | 314.76%-320.3pp | 7.63%-13.2pp |
| Employer contribution / active EE | $207 | $2,282-90.9% | $3,827-94.6% | $2,381-91.3% |
| Participant deferral / active EE | $3,530 | $3,469+1.8% | $4,672-24.4% | $3,470+1.7% |
| Admin fee / account holder | $1,928 | $5,664-66.0% | $8,548-77.4% | $4,887-60.6% |