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 | $28,247 | $141,004-80.0% | $112,273-74.8% | $139,466-79.7% |
| Participation rate | 68.2% | 79.2%-11.0pp | 72.4%-4.3pp | 80.3%-12.2pp |
| Annual return | 11.09% | 32.75%-21.7pp | 30.23%-19.1pp | 373.66%-362.6pp |
| Employer contribution / active EE | $2,103 | $4,285-50.9% | $3,431-38.7% | $4,754-55.8% |
| Participant deferral / active EE | $3,245 | $5,878-44.8% | $4,800-32.4% | $6,712-51.7% |
| Admin fee / account holder | $2,090 | $9,959-79.0% | $7,752-73.0% | $11,409-81.7% |