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.)
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 | $214,308 | $111,814+91.7% | $103,378+107.3% | $145,978+46.8% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 17.30% | 24.80%-7.5pp | 24.91%-7.6pp | 550.52%-533.2pp |
| Employer contribution / active EE | $4,683 | $4,215+11.1% | $3,870+21.0% | $4,662+0.4% |
| Participant deferral / active EE | $9,700 | $5,618+72.7% | $5,058+91.8% | $6,690+45.0% |
| Admin fee / account holder | $874 | $9,764-91.1% | $8,401-89.6% | $13,400-93.5% |