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 | $63,456+45.0% | $100,712-8.6% | $64,097+43.6% |
| Participation rate | 41.5% | 49.7%-8.2pp | 69.3%-27.8pp | 55.2%-13.7pp |
| Annual return | 9.51% | 19.65%-10.1pp | 33.27%-23.8pp | 34.64%-25.1pp |
| Employer contribution / active EE | $663 | $1,003-33.9% | $2,313-71.3% | $1,891-65.0% |
| Participant deferral / active EE | $3,362 | $2,463+36.5% | $4,085-17.7% | $3,080+9.1% |
| Admin fee / account holder | $25,781 | $4,808+436.2% | $9,256+178.5% | $3,454+646.3% |