Filed June 14, 2019
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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).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $265,731 | $117,859+125.5% | $102,438+159.4% | $145,959+82.1% |
| Participation rate | 66.7% | 78.6%-11.9pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 13.42% | 31.72%-18.3pp | 29.37%-15.9pp | 561.95%-548.5pp |
| Employer contribution / active EE | $5,087 | $3,615+40.7% | $3,024+68.3% | $4,661+9.2% |
| Participant deferral / active EE | $10,684 | $5,732+86.4% | $5,054+111.4% | $6,689+59.7% |
| Admin fee / account holder | $15,463 | $13,318+16.1% | $9,448+63.7% | $13,398+15.4% |