Filed August 7, 2017
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $11,128 | $42,917-74.1% | $60,899-81.7% | $68,495-83.8% |
| Participation rate | 30.0% | 66.8%-36.8pp | 73.1%-43.1pp | 67.9%-37.9pp |
| Annual return | -19.86% | -13.99%-5.9pp | 16.92%-36.8pp | -7.84%-12.0pp |
| Employer contribution / active EE | $245 | $1,979-87.6% | $2,702-90.9% | $2,596-90.6% |
| Participant deferral / active EE | $1,061 | $2,867-63.0% | $3,817-72.2% | $4,028-73.7% |
| Admin fee / account holder | $2,943 | $3,102-5.1% | $3,225-8.7% | $5,403-45.5% |