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.)
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 | $36,259 | $57,541-37.0% | $95,740-62.1% | $75,173-51.8% |
| Participation rate | 56.7% | 62.5%-5.8pp | 72.3%-15.6pp | 67.2%-10.5pp |
| Annual return | 13.38% | 34.93%-21.6pp | 28.41%-15.0pp | 160.72%-147.3pp |
| Employer contribution / active EE | $0 | $1,808-100.0% | $2,836-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,043 | $3,074+31.5% | $4,244-4.7% | $4,126-2.0% |
| Admin fee / account holder | $3,565 | $4,099-13.0% | $5,676-37.2% | $5,651-36.9% |