Filed December 5, 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 | $41,741 | $55,453-24.7% | $170,435-75.5% | $62,293-33.0% |
| Participation rate | 54.1% | 66.4%-12.3pp | 83.6%-29.5pp | 69.5%-15.4pp |
| Annual return | 40.38% | 21.38%+19.0pp | 205.94%-165.6pp | 28.90%+11.5pp |
| Employer contribution / active EE | $2,276 | $2,164+5.2% | $5,432-58.1% | $2,042+11.5% |
| Participant deferral / active EE | $2,872 | $2,303+24.7% | $4,939-41.9% | $3,169-9.4% |
| Admin fee / account holder | $3,292 | $455+623.5% | $13,881-76.3% | $479+586.8% |