Filed April 8, 2019 (most recent of 2 filings on file)
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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.)
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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,510 | $91,525-74.3% | $130,026-81.9% | $75,181-68.7% |
| Participation rate | 69.4% | 71.4%-2.1pp | 78.5%-9.1pp | 67.2%+2.2pp |
| Annual return | 19.98% | -631.40%+651.4pp | -137.26%+157.2pp | 160.69%-140.7pp |
| Employer contribution / active EE | $1,705 | $2,844-40.1% | $4,321-60.6% | $2,671-36.2% |
| Participant deferral / active EE | $3,967 | $4,342-8.6% | $5,821-31.8% | $4,126-3.8% |
| Admin fee / account holder | $1,288 | $6,778-81.0% | $10,608-87.9% | $5,650-77.2% |