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 | $47,105-32.7% | $68,368-53.7% | $67,986-53.4% |
| Participation rate | 38.9% | 51.8%-12.8pp | 73.8%-34.8pp | 57.2%-18.3pp |
| Annual return | 17.88% | 48.37%-30.5pp | 292.57%-274.7pp | 31.67%-13.8pp |
| Employer contribution / active EE | $953 | $1,859-48.7% | $2,649-64.0% | $2,019-52.8% |
| Participant deferral / active EE | $1,755 | $2,374-26.1% | $4,123-57.4% | $3,358-47.7% |
| Admin fee / account holder | $2,830 | $2,435+16.2% | $5,150-45.1% | $3,203-11.7% |