Filed December 21, 2017
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $283,383 | $111,535+154.1% | $105,223+169.3% | $137,256+106.5% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 6.44% | 237.85%-231.4pp | 180.65%-174.2pp | 220.34%-213.9pp |
| Employer contribution / active EE | $4,276 | $3,939+8.5% | $3,689+15.9% | $4,156+2.9% |
| Participant deferral / active EE | $9,871 | $5,500+79.5% | $5,072+94.6% | $6,407+54.1% |
| Admin fee / account holder | $16,976 | $9,721+74.6% | $8,859+91.6% | $12,270+38.4% |