Filed January 20, 2017
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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 | $55,957 | $77,816-28.1% | $123,552-54.7% | $64,173-12.8% |
| Participation rate | 38.6% | 74.7%-36.1pp | 82.3%-43.7pp | 69.6%-30.9pp |
| Annual return | -7.01% | 12.49%-19.5pp | 119.20%-126.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $1,518 | $3,014-49.6% | $4,628-67.2% | $2,381-36.2% |
| Participant deferral / active EE | $3,713 | $5,240-29.1% | $6,426-42.2% | $3,470+7.0% |
| Admin fee / account holder | $4,949 | $5,519-10.3% | $9,285-46.7% | $4,887+1.3% |