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.)
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 | $115,502 | $72,027+60.4% | $185,835-37.8% | $79,852+44.6% |
| Participation rate | 33.3% | 65.8%-32.4pp | 78.0%-44.7pp | 69.6%-36.3pp |
| Annual return | 12.90% | 23.13%-10.2pp | 35.96%-23.1pp | 31.72%-18.8pp |
| Employer contribution / active EE | $499 | $1,965-74.6% | $4,087-87.8% | $2,471-79.8% |
| Participant deferral / active EE | $1,392 | $3,780-63.2% | $5,633-75.3% | $3,740-62.8% |
| Admin fee / account holder | $567 | $4,513-87.4% | $9,502-94.0% | $5,306-89.3% |