Filed December 19, 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.)
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 | $193,444 | $102,595+88.6% | $94,057+105.7% | $154,746+25.0% |
| Participation rate | 69.6% | 76.0%-6.4pp | 73.3%-3.8pp | 80.7%-11.1pp |
| Annual return | 8.25% | 583.42%-575.2pp | 480.62%-472.4pp | 172.34%-164.1pp |
| Employer contribution / active EE | $4,378 | $3,147+39.1% | $2,933+49.3% | $4,3790% |
| Participant deferral / active EE | $7,128 | $5,118+39.3% | $4,709+51.3% | $6,730+5.9% |
| Admin fee / account holder | $14,152 | $7,736+82.9% | $7,244+95.4% | $14,365-1.5% |