Filed December 5, 2017
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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 | $96,865 | $88,672+9.2% | $105,223-7.9% | $82,448+17.5% |
| Participation rate | 15.2% | 67.9%-52.7pp | 75.0%-59.8pp | 68.1%-52.9pp |
| Annual return | 17.67% | 30.86%-13.2pp | 180.65%-163.0pp | 41.64%-24.0pp |
| Employer contribution / active EE | $1,488 | $3,048-51.2% | $3,689-59.6% | $2,551-41.7% |
| Participant deferral / active EE | $2,722 | $4,036-32.5% | $5,072-46.3% | $4,139-34.2% |
| Admin fee / account holder | $6,669 | $7,146-6.7% | $8,859-24.7% | $7,234-7.8% |