Filed January 10, 2018
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $114,697 | $48,053+138.7% | $84,637+35.5% | $72,976+57.2% |
| Participation rate | 20.6% | 57.6%-37.0pp | 68.2%-47.6pp | 69.5%-48.9pp |
| Annual return | 28.08% | 37.39%-9.3pp | 258.82%-230.7pp | 81.02%-52.9pp |
| Employer contribution / active EE | $97 | $1,602-94.0% | $2,653-96.4% | $2,440-96.0% |
| Participant deferral / active EE | $897 | $2,681-66.5% | $3,900-77.0% | $3,608-75.1% |
| Admin fee / account holder | $874 | $3,395-74.2% | $4,914-82.2% | $5,124-82.9% |