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 | $82,634 | $65,364+26.4% | $92,909-11.1% | $72,975+13.2% |
| Participation rate | 29.4% | 68.3%-38.9pp | 76.0%-46.6pp | 69.5%-40.1pp |
| Annual return | 23.07% | 42.11%-19.0pp | 109.44%-86.4pp | 81.01%-57.9pp |
| Employer contribution / active EE | $1,178 | $2,594-54.6% | $3,653-67.8% | $2,440-51.7% |
| Participant deferral / active EE | $2,001 | $3,128-36.0% | $4,238-52.8% | $3,608-44.5% |
| Admin fee / account holder | $852 | $4,251-80.0% | $5,795-85.3% | $5,124-83.4% |