Filed December 8, 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 | $31,684 | $45,900-31.0% | $94,057-66.3% | $64,340-50.8% |
| Participation rate | 38.9% | 50.6%-11.6pp | 73.3%-34.4pp | 55.2%-16.3pp |
| Annual return | 17.88% | 50.47%-32.6pp | 480.62%-462.7pp | 24.14%-6.3pp |
| Employer contribution / active EE | $953 | $1,612-40.9% | $2,933-67.5% | $1,862-48.8% |
| Participant deferral / active EE | $1,755 | $2,102-16.5% | $4,709-62.7% | $2,980-41.1% |
| Admin fee / account holder | $2,830 | $3,143-10.0% | $7,244-60.9% | $3,703-23.6% |