Filed April 5, 2017 (most recent of 2 filings on file)
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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.)
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 | $70,725 | $52,353+35.1% | $120,225-41.2% | $82,448-14.2% |
| Participation rate | 53.8% | 58.3%-4.5pp | 69.6%-15.7pp | 68.1%-14.2pp |
| Annual return | 11.87% | 61.85%-50.0pp | 439.23%-427.4pp | 41.64%-29.8pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,606 | $2,627+37.3% | $3,999-9.8% | $4,139-12.9% |
| Admin fee / account holder | $7,697 | $4,363+76.4% | $5,696+35.1% | $7,234+6.4% |