Filed July 19, 2018
Total covered: 6 employees
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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.)
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 | $106,948 | $88,707+20.6% | $74,184+44.2% | $273,972-61.0% |
| Participation rate | 68.4% | 79.4%-11.0pp | 76.6%-8.2pp | 83.0%-14.6pp |
| Annual return | 10.25% | 11.94%-1.7pp | 17.74%-7.5pp | 41.46%-31.2pp |
| Employer contribution / active EE | $1,454 | $3,159-54.0% | $2,370-38.6% | $4,869-70.1% |
| Participant deferral / active EE | $5,533 | $4,212+31.4% | $3,550+55.9% | $5,287+4.7% |
| Admin fee / account holder | $4,451 | $8,717-48.9% | $5,586-20.3% | $10,133-56.1% |