Filed November 26, 2018
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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.)
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 | $32,141 | $106,008-69.7% | $92,240-65.2% | $147,586-78.2% |
| Participation rate | 64.3% | 80.4%-16.1pp | 76.5%-12.2pp | 82.8%-18.5pp |
| Annual return | 12.66% | 50.05%-37.4pp | 176.29%-163.6pp | 578.59%-565.9pp |
| Employer contribution / active EE | $39 | $4,333-99.1% | $3,680-98.9% | $4,876-99.2% |
| Participant deferral / active EE | $3,190 | $4,478-28.8% | $3,897-18.1% | $5,439-41.3% |
| Admin fee / account holder | $3,371 | $6,333-46.8% | $5,194-35.1% | $10,886-69.0% |