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 | $65,463 | $86,298-24.1% | $111,308-41.2% | $85,847-23.7% |
| Participation rate | 66.0% | 73.3%-7.4pp | 77.3%-11.4pp | 69.3%-3.4pp |
| Annual return | 12.18% | 19.99%-7.8pp | 54.67%-42.5pp | 318.61%-306.4pp |
| Employer contribution / active EE | $463 | $2,044-77.4% | $2,732-83.1% | $2,565-82.0% |
| Participant deferral / active EE | $3,734 | $3,641+2.5% | $4,487-16.8% | $3,952-5.5% |
| Admin fee / account holder | $6,946 | $8,189-15.2% | $7,965-12.8% | $6,261+10.9% |