Filed December 3, 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 | $96,526 | $80,731+19.6% | $103,374-6.6% | $74,546+29.5% |
| Participation rate | 24.3% | 65.7%-41.4pp | 74.5%-50.2pp | 67.2%-42.9pp |
| Annual return | 12.98% | 27.56%-14.6pp | 24.89%-11.9pp | 1366.03%-1353.0pp |
| Employer contribution / active EE | $1,209 | $3,158-61.7% | $3,869-68.8% | $2,624-53.9% |
| Participant deferral / active EE | $2,093 | $3,860-45.8% | $5,058-58.6% | $4,347-51.9% |
| Admin fee / account holder | $10,737 | $2,369+353.3% | $8,394+27.9% | $1,944+452.4% |