Filed January 3, 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 | $25,396 | $85,766-70.4% | $136,298-81.4% | $70,126-63.8% |
| Participation rate | 51.9% | 74.2%-22.3pp | 81.9%-30.0pp | 69.5%-17.6pp |
| Annual return | 10.91% | 31.46%-20.5pp | 5156.27%-5145.4pp | 73.15%-62.2pp |
| Employer contribution / active EE | $2,334 | $2,966-21.3% | $4,696-50.3% | $2,343-0.4% |
| Participant deferral / active EE | $0 | $5,051-100.0% | $6,247-100.0% | $3,332-100.0% |
| Admin fee / account holder | $355 | $5,421-93.5% | $9,244-96.2% | $4,645-92.4% |