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.)
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 | $23,310 | $46,464-49.8% | $150,298-84.5% | $79,634-70.7% |
| Participation rate | 34.0% | 57.0%-22.9pp | 77.8%-43.7pp | 62.5%-28.5pp |
| Annual return | 12.57% | 27.89%-15.3pp | 62.79%-50.2pp | 36.46%-23.9pp |
| Employer contribution / active EE | $512 | $1,512-66.1% | $4,154-87.7% | $2,529-79.7% |
| Participant deferral / active EE | $760 | $2,157-64.8% | $5,453-86.1% | $3,835-80.2% |
| Admin fee / account holder | $7,527 | $891+745.1% | $14,116-46.7% | $1,002+651.3% |