Filed October 30, 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 | $60,475 | $45,343+33.4% | $150,298-59.8% | $67,986-11.0% |
| Participation rate | 40.4% | 51.9%-11.5pp | 77.8%-37.4pp | 57.2%-16.9pp |
| Annual return | 16.32% | 33.28%-17.0pp | 62.79%-46.5pp | 31.67%-15.3pp |
| Employer contribution / active EE | $897 | $1,462-38.6% | $4,154-78.4% | $2,019-55.6% |
| Participant deferral / active EE | $1,815 | $2,055-11.7% | $5,453-66.7% | $3,358-46.0% |
| Admin fee / account holder | $4,372 | $2,250+94.3% | $14,116-69.0% | $3,203+36.5% |