Filed October 31, 2016
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $48,870 | $91,559-46.6% | $133,978-63.5% | $79,856-38.8% |
| Participation rate | 36.3% | 73.3%-37.1pp | 79.8%-43.6pp | 69.6%-33.4pp |
| Annual return | 16.19% | 61.85%-45.7pp | 45.10%-28.9pp | 31.71%-15.5pp |
| Employer contribution / active EE | $530 | $2,384-77.8% | $3,919-86.5% | $2,471-78.5% |
| Participant deferral / active EE | $1,765 | $3,734-52.7% | $5,047-65.0% | $3,741-52.8% |
| Admin fee / account holder | $1,274 | $6,321-79.8% | $8,930-85.7% | $5,306-76.0% |