Filed June 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 | $51,435 | $56,287-8.6% | $80,977-36.5% | $62,881-18.2% |
| Participation rate | 62.5% | 68.9%-6.4pp | 75.8%-13.3pp | 69.3%-6.8pp |
| Annual return | 11.96% | 22.13%-10.2pp | 17.11%-5.1pp | 20.14%-8.2pp |
| Employer contribution / active EE | $4,036 | $1,943+107.7% | $3,715+8.6% | $2,281+76.9% |
| Participant deferral / active EE | $9,598 | $4,196+128.8% | $5,696+68.5% | $3,203+199.7% |
| Admin fee / account holder | $5,302 | $3,742+41.7% | $5,517-3.9% | $4,296+23.4% |