Filed December 19, 2016 (most recent of 2 filings on file)
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $65,636 | $72,486-9.4% | $87,103-24.6% | $72,976-10.1% |
| Participation rate | 60.5% | 72.8%-12.3pp | 76.9%-16.4pp | 69.5%-9.0pp |
| Annual return | 19.88% | 24.46%-4.6pp | 28.19%-8.3pp | 81.02%-61.1pp |
| Employer contribution / active EE | $399 | $1,894-78.9% | $2,521-84.2% | $2,440-83.7% |
| Participant deferral / active EE | $2,942 | $3,270-10.0% | $4,049-27.3% | $3,608-18.5% |
| Admin fee / account holder | $2,756 | $5,055-45.5% | $7,491-63.2% | $5,124-46.2% |