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 | $43,496+39.0% | $161,489-62.6% | $64,340-6.0% |
| Participation rate | 40.4% | 53.5%-13.2pp | 78.7%-38.3pp | 55.2%-14.9pp |
| Annual return | 16.32% | 20.76%-4.4pp | 89.72%-73.4pp | 24.14%-7.8pp |
| Employer contribution / active EE | $897 | $1,431-37.3% | $4,268-79.0% | $1,862-51.8% |
| Participant deferral / active EE | $1,815 | $1,996-9.1% | $5,630-67.8% | $2,980-39.1% |
| Admin fee / account holder | $4,372 | $2,330+87.6% | $16,006-72.7% | $3,703+18.1% |