Filed April 24, 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.)
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 | $42,021 | $53,128-20.9% | $86,582-51.5% | $70,126-40.1% |
| Participation rate | 63.4% | 65.3%-1.9pp | 73.5%-10.1pp | 69.5%-6.1pp |
| Annual return | 22.85% | 27.66%-4.8pp | 965.08%-942.2pp | 73.15%-50.3pp |
| Employer contribution / active EE | $1,632 | $2,068-21.1% | $2,839-42.5% | $2,343-30.3% |
| Participant deferral / active EE | $4,754 | $2,695+76.4% | $3,609+31.7% | $3,332+42.7% |
| Admin fee / account holder | $3,052 | $3,584-14.8% | $4,904-37.8% | $4,645-34.3% |