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 | $57,108 | $76,112-25.0% | $96,544-40.8% | $71,529-20.2% |
| Participation rate | 63.1% | 74.4%-11.3pp | 76.0%-12.9pp | 67.9%-4.9pp |
| Annual return | 15.74% | 22.80%-7.1pp | 25.88%-10.1pp | 28.97%-13.2pp |
| Employer contribution / active EE | $507 | $2,248-77.4% | $2,966-82.9% | $2,590-80.4% |
| Participant deferral / active EE | $4,385 | $4,217+4.0% | $4,851-9.6% | $4,291+2.2% |
| Admin fee / account holder | $1,462 | $2,708-46.0% | $8,254-82.3% | $1,588-8.0% |