Filed June 28, 2019
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,570 | $89,588-82.6% | $136,072-88.6% | $77,736-80.0% |
| Participation rate | 4.8% | 74.3%-69.5pp | 76.4%-71.6pp | 70.6%-65.8pp |
| Annual return | 8.45% | 17.42%-9.0pp | 580.46%-572.0pp | 31.26%-22.8pp |
| Employer contribution / active EE | $0 | $3,491-100.0% | $4,216-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $336 | $5,592-94.0% | $7,028-95.2% | $4,651-92.8% |
| Admin fee / account holder | $802 | $539+48.8% | $6,718-88.1% | $433+85.0% |