Filed December 30, 2015
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $64,461 | $48,327+33.4% | $67,575-4.6% | $80,935-20.4% |
| Participation rate | 55.7% | 66.4%-10.7pp | 72.9%-17.2pp | 67.7%-11.9pp |
| Annual return | 8.34% | 18.31%-10.0pp | 3528.98%-3520.6pp | 35.66%-27.3pp |
| Employer contribution / active EE | $1,523 | $2,022-24.7% | $2,736-44.3% | $2,757-44.7% |
| Participant deferral / active EE | $2,211 | $2,927-24.5% | $4,003-44.8% | $4,299-48.6% |
| Admin fee / account holder | $13,630 | $3,692+269.2% | $3,993+241.3% | $6,924+96.8% |