Filed May 1, 2019
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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.)
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,357 | $70,667-31.6% | $123,106-60.7% | $52,331-7.6% |
| Participation rate | 60.0% | 83.7%-23.7pp | 86.8%-26.8pp | 68.1%-8.1pp |
| Annual return | -1.85% | 6.23%-8.1pp | 13.22%-15.1pp | 4.54%-6.4pp |
| Employer contribution / active EE | $0 | $2,946-100.0% | $5,151-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $4,280 | $4,493-4.7% | $6,229-31.3% | $3,022+41.6% |
| Admin fee / account holder | $4,361 | $506+760.9% | $9,015-51.6% | $592+637.1% |