Filed July 2, 2018
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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 | $86,244 | $64,920+32.8% | $103,693-16.8% | $86,983-0.8% |
| Participation rate | 66.7% | 63.6%+3.1pp | 72.6%-6.0pp | 69.5%-2.9pp |
| Annual return | 12.94% | 30.29%-17.3pp | 47.61%-34.7pp | 25.83%-12.9pp |
| Employer contribution / active EE | $2,547 | $2,141+19.0% | $2,920-12.8% | $2,584-1.4% |
| Participant deferral / active EE | $5,305 | $3,241+63.7% | $4,579+15.8% | $4,194+26.5% |
| Admin fee / account holder | $17,474 | $6,191+182.2% | $7,858+122.4% | $7,856+122.4% |