Filed May 10, 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 | $79,707 | $103,966-23.3% | $112,899-29.4% | $75,173+6.0% |
| Participation rate | 68.7% | 75.7%-7.0pp | 80.5%-11.9pp | 67.2%+1.5pp |
| Annual return | 21.01% | 24.54%-3.5pp | 34.11%-13.1pp | 160.72%-139.7pp |
| Employer contribution / active EE | $3,559 | $3,870-8.1% | $4,566-22.1% | $2,671+33.2% |
| Participant deferral / active EE | $4,077 | $5,456-25.3% | $6,516-37.4% | $4,126-1.2% |
| Admin fee / account holder | $6,563 | $7,663-14.4% | $7,047-6.9% | $5,651+16.2% |