Filed December 12, 2018
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,274 | $43,423-71.7% | $78,676-84.4% | $55,167-77.8% |
| Participation rate | 43.3% | 68.0%-24.8pp | 73.6%-30.3pp | 69.0%-25.7pp |
| Annual return | 8.86% | 11.53%-2.7pp | 62.19%-53.3pp | 169.23%-160.4pp |
| Employer contribution / active EE | $369 | $1,997-81.5% | $2,850-87.0% | $1,963-81.2% |
| Participant deferral / active EE | $1,174 | $2,509-53.2% | $3,517-66.6% | $3,054-61.6% |
| Admin fee / account holder | $22 | $416-94.8% | $4,510-99.5% | $504-95.7% |