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).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $174,548 | $72,492+140.8% | $87,104+100.4% | $72,975+139.2% |
| Participation rate | 65.4% | 72.8%-7.4pp | 76.9%-11.5pp | 69.5%-4.1pp |
| Annual return | 25.21% | 24.46%+0.7pp | 28.19%-3.0pp | 81.01%-55.8pp |
| Employer contribution / active EE | $3,279 | $1,894+73.1% | $2,521+30.1% | $2,440+34.4% |
| Participant deferral / active EE | $7,728 | $3,270+136.4% | $4,048+90.9% | $3,608+114.2% |
| Admin fee / account holder | $44,846 | $5,055+787.2% | $7,491+498.7% | $5,124+775.2% |