Filed January 4, 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 | $51,892 | $91,167-43.1% | $178,498-70.9% | $79,858-35.0% |
| Participation rate | 36.7% | 69.2%-32.5pp | 81.9%-45.2pp | 69.6%-32.9pp |
| Annual return | 21.75% | 24.19%-2.4pp | 151.09%-129.3pp | 31.72%-10.0pp |
| Employer contribution / active EE | $628 | $3,255-80.7% | $5,011-87.5% | $2,471-74.6% |
| Participant deferral / active EE | $1,616 | $3,236-50.0% | $5,202-68.9% | $3,740-56.8% |
| Admin fee / account holder | $13,666 | $6,747+102.5% | $13,985-2.3% | $5,306+157.6% |