Filed July 9, 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,902 | $50,898-66.8% | $171,082-90.1% | $55,167-69.4% |
| Participation rate | 64.1% | 63.3%+0.8pp | 76.7%-12.6pp | 69.0%-4.9pp |
| Annual return | 14.11% | 15.34%-1.2pp | 32.56%-18.4pp | 169.23%-155.1pp |
| Employer contribution / active EE | $447 | $1,433-68.8% | $4,002-88.8% | $1,963-77.2% |
| Participant deferral / active EE | $1,443 | $2,994-51.8% | $4,797-69.9% | $3,054-52.8% |
| Admin fee / account holder | $952 | $500+90.6% | $8,520-88.8% | $504+88.9% |