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 | $41,016+47.4% | $152,093-60.2% | $64,097-5.7% |
| Participation rate | 40.4% | 51.3%-11.0pp | 77.8%-37.4pp | 55.2%-14.8pp |
| Annual return | 16.32% | 39.60%-23.3pp | 66.36%-50.0pp | 34.64%-18.3pp |
| Employer contribution / active EE | $897 | $1,342-33.2% | $4,175-78.5% | $1,891-52.6% |
| Participant deferral / active EE | $1,815 | $1,927-5.9% | $5,451-66.7% | $3,080-41.1% |
| Admin fee / account holder | $4,372 | $2,305+89.6% | $14,497-69.8% | $3,454+26.6% |