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 | $85,934 | $73,978+16.2% | $96,515-11.0% | $75,173+14.3% |
| Participation rate | 27.4% | 66.4%-39.1pp | 74.3%-47.0pp | 67.2%-39.8pp |
| Annual return | 19.43% | 26.72%-7.3pp | 35.73%-16.3pp | 160.72%-141.3pp |
| Employer contribution / active EE | $1,176 | $2,931-59.9% | $3,740-68.6% | $2,671-56.0% |
| Participant deferral / active EE | $2,079 | $3,660-43.2% | $4,880-57.4% | $4,126-49.6% |
| Admin fee / account holder | $697 | $5,219-86.6% | $6,735-89.7% | $5,651-87.7% |