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 | $203,763 | $80,992+151.6% | $96,534+111.1% | $75,173+171.1% |
| Participation rate | 63.0% | 71.8%-8.8pp | 76.0%-13.0pp | 67.2%-4.2pp |
| Annual return | 22.76% | 27.05%-4.3pp | 25.88%-3.1pp | 160.72%-138.0pp |
| Employer contribution / active EE | $4,050 | $2,283+77.4% | $2,965+36.6% | $2,671+51.6% |
| Participant deferral / active EE | $8,496 | $3,929+116.2% | $4,851+75.1% | $4,126+105.9% |
| Admin fee / account holder | $4,976 | $6,717-25.9% | $8,253-39.7% | $5,651-11.9% |