Filed October 31, 2016
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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 | $31,329 | $69,977-55.2% | $108,582-71.1% | $62,881-50.2% |
| Participation rate | 48.5% | 72.9%-24.4pp | 79.6%-31.0pp | 69.3%-20.8pp |
| Annual return | 6.25% | 10.73%-4.5pp | -51.70%+57.9pp | 20.14%-13.9pp |
| Employer contribution / active EE | $524 | $2,135-75.4% | $3,758-86.1% | $2,281-77.0% |
| Participant deferral / active EE | $1,618 | $3,165-48.9% | $4,311-62.5% | $3,203-49.5% |
| Admin fee / account holder | $2,525 | $5,076-50.3% | $7,645-67.0% | $4,296-41.2% |