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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $51,638+67.0% | $68,368+26.1% | $82,448+4.6% |
| Participation rate | 66.7% | 63.6%+3.1pp | 73.8%-7.1pp | 68.1%-1.4pp |
| Annual return | 12.94% | 37.53%-24.6pp | 292.57%-279.6pp | 41.64%-28.7pp |
| Employer contribution / active EE | $2,547 | $2,047+24.5% | $2,649-3.8% | $2,551-0.1% |
| Participant deferral / active EE | $5,305 | $2,914+82.1% | $4,123+28.7% | $4,139+28.2% |
| Admin fee / account holder | $17,474 | $4,643+276.3% | $5,150+239.3% | $7,234+141.5% |