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 | $117,904+125.4% | $102,457+159.4% | $145,978+82.0% |
| Participation rate | 66.7% | 78.6%-11.9pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 13.42% | 31.80%-18.4pp | 29.41%-16.0pp | 550.52%-537.1pp |
| Employer contribution / active EE | $5,087 | $3,613+40.8% | $3,022+68.3% | $4,662+9.1% |
| Participant deferral / active EE | $10,684 | $5,733+86.3% | $5,054+111.4% | $6,690+59.7% |
| Admin fee / account holder | $15,463 | $13,329+16.0% | $9,451+63.6% | $13,400+15.4% |