Filed February 4, 2019
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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 are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,381 | $58,523-73.7% | $99,475-84.5% | $72,975-78.9% |
| Participation rate | 55.8% | 64.6%-8.9pp | 73.8%-18.1pp | 69.5%-13.7pp |
| Annual return | 16.30% | 28.51%-12.2pp | 30.72%-14.4pp | 81.01%-64.7pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $2,540-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,236 | $2,606-14.2% | $3,619-38.2% | $3,608-38.0% |
| Admin fee / account holder | $1,286 | $4,102-68.7% | $6,252-79.4% | $5,124-74.9% |