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 | $39,563 | $78,707-49.7% | $117,861-66.4% | $70,126-43.6% |
| Participation rate | 43.9% | 73.2%-29.3pp | 79.7%-35.7pp | 69.5%-25.6pp |
| Annual return | 18.41% | 23.30%-4.9pp | 335.11%-316.7pp | 73.15%-54.7pp |
| Employer contribution / active EE | $612 | $2,223-72.5% | $3,786-83.8% | $2,343-73.9% |
| Participant deferral / active EE | $1,945 | $3,297-41.0% | $4,482-56.6% | $3,332-41.6% |
| Admin fee / account holder | $1,138 | $5,066-77.5% | $8,021-85.8% | $4,645-75.5% |