Filed November 22, 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 | $17,516 | $48,011-63.5% | $63,803-72.5% | $82,637-78.8% |
| Participation rate | 44.9% | 66.6%-21.7pp | 72.7%-27.8pp | 68.1%-23.2pp |
| Annual return | 13.36% | 19.84%-6.5pp | 543.72%-530.4pp | 53.51%-40.2pp |
| Employer contribution / active EE | $422 | $1,904-77.8% | $2,532-83.3% | $2,552-83.5% |
| Participant deferral / active EE | $3,550 | $2,846+24.7% | $3,843-7.6% | $4,126-14.0% |
| Admin fee / account holder | $2,419 | $3,873-37.5% | $5,196-53.4% | $7,339-67.0% |