Filed January 10, 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 | $143,083 | $99,995+43.1% | $85,063+68.2% | $145,978-2.0% |
| Participation rate | 58.8% | 74.1%-15.3pp | 67.5%-8.7pp | 80.3%-21.5pp |
| Annual return | 15.10% | 83.99%-68.9pp | 66.54%-51.4pp | 550.52%-535.4pp |
| Employer contribution / active EE | $500 | $3,231-84.5% | $2,727-81.7% | $4,662-89.3% |
| Participant deferral / active EE | $4,676 | $5,295-11.7% | $4,523+3.4% | $6,690-30.1% |
| Admin fee / account holder | $2,296 | $7,255-68.3% | $6,155-62.7% | $13,400-82.9% |