Filed May 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.)
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 | $123,077 | $80,812+52.3% | $160,784-23.5% | $82,448+49.3% |
| Participation rate | 51.2% | 66.2%-15.0pp | 77.0%-25.7pp | 68.1%-16.8pp |
| Annual return | 10.61% | 100.59%-90.0pp | 1803.92%-1793.3pp | 41.64%-31.0pp |
| Employer contribution / active EE | $500 | $2,174-77.0% | $3,733-86.6% | $2,551-80.4% |
| Participant deferral / active EE | $2,600 | $4,335-40.0% | $6,293-58.7% | $4,139-37.2% |
| Admin fee / account holder | $3,051 | $7,695-60.4% | $9,717-68.6% | $7,234-57.8% |