Filed May 10, 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.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $306,240 | $105,284+190.9% | $150,734+103.2% | $94,015+225.7% |
| Participation rate | 45.9% | 71.7%-25.8pp | 78.4%-32.5pp | 70.8%-24.9pp |
| Annual return | 13.48% | 15.67%-2.2pp | 600.81%-587.3pp | 17.84%-4.4pp |
| Employer contribution / active EE | $0 | $3,599-100.0% | $4,918-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $0 | $4,274-100.0% | $5,610-100.0% | $4,249-100.0% |
| Admin fee / account holder | $5,019 | $9,839-49.0% | $14,905-66.3% | $8,951-43.9% |