Filed November 17, 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,420 | $43,550-16.4% | $63,244-42.4% | $52,331-30.4% |
| Participation rate | 53.3% | 65.7%-12.4pp | 71.0%-17.8pp | 68.1%-14.8pp |
| Annual return | -1.48% | 2.03%-3.5pp | -70.31%+68.8pp | 4.54%-6.0pp |
| Employer contribution / active EE | $258 | $1,351-80.9% | $2,322-88.9% | $1,882-86.3% |
| Participant deferral / active EE | $1,004 | $2,254-55.5% | $2,953-66.0% | $3,022-66.8% |
| Admin fee / account holder | $480 | $387+24.1% | $5,893-91.9% | $592-18.9% |