Filed January 20, 2017
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 | $56,654 | $99,957-43.3% | $149,715-62.2% | $73,493-22.9% |
| Participation rate | 21.5% | 75.7%-54.2pp | 82.5%-61.0pp | 70.7%-49.2pp |
| Annual return | 26.18% | 53.87%-27.7pp | 276.66%-250.5pp | 28.51%-2.3pp |
| Employer contribution / active EE | $1,104 | $3,191-65.4% | $4,645-76.2% | $2,270-51.4% |
| Participant deferral / active EE | $2,614 | $6,073-57.0% | $6,842-61.8% | $3,740-30.1% |
| Admin fee / account holder | $1,611 | $551+192.6% | $9,310-82.7% | $513+214.1% |