Filed December 11, 2018
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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 | $21,545 | $56,339-61.8% | $104,301-79.3% | $68,486-68.5% |
| Participation rate | 53.8% | 63.3%-9.4pp | 73.3%-19.4pp | 67.9%-14.0pp |
| Annual return | -7.72% | -9.19%+1.5pp | 24.61%-32.3pp | -7.85%+0.1pp |
| Employer contribution / active EE | $1,548 | $1,960-21.0% | $3,373-54.1% | $2,597-40.4% |
| Participant deferral / active EE | $2,453 | $3,077-20.3% | $4,626-47.0% | $4,028-39.1% |
| Admin fee / account holder | $2,981 | $4,902-39.2% | $7,340-59.4% | $5,404-44.8% |