Filed September 23, 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 | $50,189 | $99,345-49.5% | $84,753-40.8% | $273,972-81.7% |
| Participation rate | 60.0% | 80.7%-20.7pp | 76.6%-16.6pp | 83.0%-23.0pp |
| Annual return | 9.85% | 22.93%-13.1pp | 22.78%-12.9pp | 41.46%-31.6pp |
| Employer contribution / active EE | $3,389 | $4,214-19.6% | $3,574-5.2% | $4,869-30.4% |
| Participant deferral / active EE | $6,177 | $4,270+44.7% | $3,712+66.4% | $5,287+16.8% |
| Admin fee / account holder | $755 | $6,645-88.6% | $5,333-85.8% | $10,133-92.5% |