Filed November 16, 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 | $23,642 | $50,919-53.6% | $155,556-84.8% | $77,762-69.6% |
| Participation rate | 35.8% | 63.1%-27.3pp | 78.2%-42.4pp | 70.6%-34.8pp |
| Annual return | 10.19% | 34.84%-24.6pp | 64.84%-54.6pp | 31.27%-21.1pp |
| Employer contribution / active EE | $563 | $1,991-71.7% | $4,675-87.9% | $2,728-79.3% |
| Participant deferral / active EE | $935 | $2,824-66.9% | $5,631-83.4% | $4,651-79.9% |
| Admin fee / account holder | $1,689 | $437+286.7% | $15,885-89.4% | $433+290.2% |