Filed April 11, 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,618 | $29,546-50.5% | $56,441-74.1% | $77,671-81.2% |
| Participation rate | 26.3% | 32.7%-6.4pp | 52.5%-26.2pp | 70.6%-44.3pp |
| Annual return | 15.93% | 19.01%-3.1pp | 1704.21%-1688.3pp | 31.21%-15.3pp |
| Employer contribution / active EE | $144 | $568-74.6% | $1,039-86.1% | $2,726-94.7% |
| Participant deferral / active EE | $829 | $1,061-21.8% | $1,953-57.5% | $4,648-82.2% |
| Admin fee / account holder | $4,290 | $1,046+310.0% | $2,829+51.6% | $430+896.7% |