Filed April 11, 2019
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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 | $18,088 | $26,114-30.7% | $58,544-69.1% | $74,440-75.7% |
| Participation rate | 25.8% | 32.1%-6.3pp | 50.9%-25.1pp | 70.7%-45.0pp |
| Annual return | 15.04% | 32.51%-17.5pp | 4249.56%-4234.5pp | 34.37%-19.3pp |
| Employer contribution / active EE | $7 | $536-98.7% | $1,053-99.3% | $2,638-99.7% |
| Participant deferral / active EE | $799 | $1,075-25.7% | $1,923-58.5% | $4,529-82.4% |
| Admin fee / account holder | $1,669 | $649+157.1% | $2,520-33.8% | $348+379.7% |