Filed May 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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $92,017 | $64,501+42.7% | $108,753-15.4% | $65,306+40.9% |
| Participation rate | 41.5% | 50.8%-9.3pp | 71.1%-29.6pp | 57.7%-16.2pp |
| Annual return | 9.51% | 21.09%-11.6pp | 37.47%-28.0pp | 21.94%-12.4pp |
| Employer contribution / active EE | $663 | $1,069-38.0% | $2,427-72.7% | $1,967-66.3% |
| Participant deferral / active EE | $3,362 | $2,401+40.0% | $4,115-18.3% | $2,959+13.6% |
| Admin fee / account holder | $25,781 | $4,971+418.6% | $10,320+149.8% | $3,480+640.9% |