Filed May 13, 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.)
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 | $33,948 | $86,949-61.0% | $102,460-66.9% | $80,959-58.1% |
| Participation rate | 66.7% | 72.4%-5.7pp | 76.5%-9.8pp | 67.7%-1.0pp |
| Annual return | 11.07% | 18.89%-7.8pp | 29.47%-18.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,601 | $2,370-32.4% | $3,025-47.1% | $2,757-41.9% |
| Participant deferral / active EE | $2,658 | $4,121-35.5% | $5,056-47.4% | $4,300-38.2% |
| Admin fee / account holder | $1,290 | $8,048-84.0% | $9,460-86.4% | $6,925-81.4% |