Filed February 3, 2016
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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 | $83,779 | $85,171-1.6% | $172,753-51.5% | $72,976+14.8% |
| Participation rate | 66.7% | 70.1%-3.4pp | 82.6%-16.0pp | 69.5%-2.8pp |
| Annual return | 24.70% | 27.32%-2.6pp | 803.00%-778.3pp | 81.02%-56.3pp |
| Employer contribution / active EE | $1,782 | $3,324-46.4% | $5,144-65.4% | $2,440-27.0% |
| Participant deferral / active EE | $2,766 | $3,260-15.2% | $5,198-46.8% | $3,608-23.3% |
| Admin fee / account holder | $2,291 | $5,880-61.0% | $13,956-83.6% | $5,124-55.3% |